Let's say you went to a car dealership looking for an affordable sedan and the 'finance' guy got you into a Cadillac Escalade for the same payment. Would you drive it off the lot? He's working on commission, btw.
What's missing is a reverse-commission, where if the loan goes sour, you pay the lender back the fee you were paid to create it. That would put an end a lot of this.
What other business can you screw-up and pass it on to someone else without any accountability? (government doesn't count- it's a given)
Yep, you do get it...
That is exactly the type of thing I am talking about.