eddie1 - don't confuse the institution with one of its visitors.

gargoyle - peoples situations change sometimes because of their own making often not. Your comment is ridiculously crass.

There is no suggestion that these instruments aren't paid for is there?

Given that very few people - apart from those who inherit money or come from very rich backgrounds - can afford to buy property without incurring debt, then most people are at risk from their circumstances changing. Employment - divorce - illness to name a few.

An article from 2009, but little has changed to suggest it is now different - proximity to homelessness - in fact it is likely worse.

I'm glad that you are in a position to be so smug.