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The more I think about it the more I'm convinced to not do it. We'll get by, there will be some changes. This crap went overboard starting in 1999. We were fine till then.
If we don't pass it, Sellers will carry their own notes, prices will adjust down until people CAN afford to live there. Car companies have finance wings. Oil Companies will finance their own credit cards. Local banks and Credit sources will fill the niche, the way it should be.
The Basic problem is that American's don't make enough money to get by without Credit. Our Savings rate is below 0. That's the one we need to solve.
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72 914 2056: 74 9146 2.2: 76 914 2.0
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