I work at a mortgage company and I deal with people who do financial transactions so breathtakingly moronic that some them require a helmet. I think of one man who bought a jeep from a local dealership. When the jeep broke down, he took it to the dealership and asked them to repair it. When they couldn’t repair it, he asked to trade it in. When they couldn’t trade it in, he handed the salesman the keys and said, “Here, you deal with it.” Later, he bought a truck from another dealership, because it struck him that he might need...