[ROP_RIP]

Granted, one could make the argument that it's unfair to those who are paying the increased rates and can afford to do so, but I suppose nothing's perfect.

Sounds a lot like: "From each according to his ability, to each according to his need."

By the way, how do you gauge whether somebody can really afford the higher payment? Won't it be in their best interest to spend every last penny they make, so that it "looks" like they have nothing left over?

[RockinRight]

That’s the flaw in this. Although they’ll probably just use a debt-to-income calculation based on what is on their credit report, to determine affordability, so things like cable TV, food, and whatever, isn’t even included in the equation.