So, borrowers have no responsibility?
If someone takes heroin, do we simply blame the dealer/pusher?
Not a fair analogy. it is much easier to control credit than it is to control heroin. Usually, banks are more willing to stay within the bounds of the law than drug dealers. It just so happens that in this case, the law did all it could to greet drug dealers with open arms.
Well factually speaking isn't this what the whole bailout plan is all about? Borrows basically getting FREE HOMES and the responsiblity falls on the Gov't which there trying to pass on to us!
I rather go to my neighbor's up the street who I barely see and offer to buy their home for them than give the gov't one stinkin dime for a bailout!!