Quite true, it is all a voluntary process. Also dont forget the companies are also offering collateral free loans that they risk being stiffed on. The fees they charge heps cover these losses. Cut the fee they charge and something is going to give, most likely they are going to cut back on the risky loans they make, Women, Minorities and Children hit hardest, thanks Conyers.
You mean there isn't such a thing as a free lunch?
You mean Hillary-care won't be free? Next you're going to tell me that granting no permits to build nuclear power plants for 25 years, ANWR, and setting up ridiculous bureaucratic hurdles to obstruct the building of refiners for many years has consequences too?! You're crazy!/sarc