Technically, no business has a conscience. But that isn't what the poster meant.
Regarding what the poster meant, who cares!
Do you think "the car game" has a conscience? Or would the local dealer stick you in a $800 a month payment after rolling $6,000 of negative equity into the loan and not think twice about it? Of course he would do it.
How about the credit card companies charging 22% that gave you the problems in the first place? Do they have a conscience?
No business has a conscience and no industry has a conscience. They all want to "move product" and do it as fast and in as much volume as they can. Period.
If you are a moron and take a bad loan then you are to blame. Not a TV commerical, or the "mortgage game". YOU are to blame.
I know you & RIR are ethical dudes. I also know it's not the fault of 'the mortgage game" when people make bad decisions.
Maybe the public schools, that all you SMART guys, let educate our children, had a little something to do with it.