Right I got no problem with people getting foreclosed on that is the deal you make. But typically in law one looks at who is the professional and who is the laymen. Generally the burden of responsibility falls on the professional so from a legal perspective and from a moral perspective blaming the consumer is kind of backwards, that was the only point I was getting at. It is not right that the banks got bailed out but the fact that they did, further reduces any moral responsibility that one could place on the consumer. They are loosing their house and footing the bill so in my opinion they have paid their dues. I personally don't feel that the banks have paid their dues for their part in the mess.

I will give you an up-vote because I think your point of view is valid and this thread is going to get political. No guarantee it is going to remain up though.