Nearly 90 percent of home owners have stayed current on their mortgages throughout the housing meltdown. Yet, in what should be his final act as chairman of the Senate Banking Committee, Chris Dodd is holding hearings today about how the 10 percent of homeowners who are either seriously delinquent or in default on their loans are being screwed by the banking system. The hearing, of course, won't dwell on the mistakes of the vast majority of alleged victims of this scandal -- namely, how they rolled the dice on the housing bubble, taking out loans they knew they couldn't afford....