“No one can FORCE anyone to BUY anything, it is a choice they make because they are greedy. “
The govt can make you buy insurance.
“Bottom line responsibility is on the buyer. They go willingly because they have the WANTS.”
Bottom line is its up to both parties to behave ethically.
That is really irrevelant to the Purchasers/homeowners who got themselves into their own financial mess, of which this conversation is about. No one can FORCE anyone to make those purchases, at least I never heard of a bank holding a gun to make someone sign.