When Phil Gramm rammed through a bill to DEregulate the whole money making scheme and John McCain went along with it, and now has Gramm as his adviser, who can say it was all the fault of greedy buyers getting in over their heads?
As Garrison Keillor said, "The lottery is a tax on people who don't do well in math." Same idea.

Doug, you are not often that silly. Surely you can do better than that?