What about personal responsibility??? Everyone talks about the banks (yes they are half the problem) but nobody talks about the people that borrowed that money, walked away from the home and payments scott free! I personally know what I can afford and what I can't. Otherwise I'd have a really bitchin car and I just wouldn't pay off the credit cards! The borrowers are just as much at fault. And anyone that can't understand what an adjustable rate mortgage is and how they work shouldn't be mortgaging a home to begin with! Bring back debtors prison!!! <---that part is sarcasm