Evidence that "some" people have no business entering into a mortgage.....especially ill-advised as to whether they can afford it or not.

Nothing wrong with alcohol. Using your logic.....it shouldn't be produced.....because some people can't handle it. I strongly disagree. No biggie. Handled responsibly....there's nothing wrong with credit, credit cards.....or alcohol. Home mortgages are "A" way for responsible people to afford their homes. Responsible credit handling is an acquired skill.

Like I said.....I refuse to throw out the baby with the bath water. We can simply agree to disagree.