[on-ramp]

So what's the point?

Do people feel better about themselves when others are struggling to pay their mortgages and defaulting and foreclosing?

Should we blame at least part of this on the lending companies that dished out " creative financing" to individuals who probably could't afford the house in the first place? This was done in the ridiculous housing boom. So now the wall is caving in and lenders are filing for bankruptcy. What a surprise. It's up to the individual to be careful what they sign. But also part of the responsibility is to the lenders who handed out millions (if not billions) of dollars to high-risk borrows.