why do you think were in such a shitty place right now! cause all these banks were handing out loans left and right to (we'll just say people) to let them get there big houses, and expensive suv's and shit. and knowing they werent gonna pay for them they'd wait till they got thrown out, or repoed then go to the bank and get another loan and do the same shit! hense the reason were in this whole perdicerment now.