Wow, borrowers given access to easier money cannot make their payments as agreed upon.
Yup, it is all the fault of those bamboozling, evil lenders!
Why should the borrower bear any responsibility whatsoever?
These poor hapless victims never read their contracts or understood them; of course it can't be their fault!

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If you wind up with a boring, miserable life because you listened to your mom, your dad, your teacher, your priest or some guy on TV telling you how to do your shit, then YOU DESERVE IT.
~ Frank Zappa ~

Liberty means responsibility, that is why most men dread it.
~George Bernard Shaw~