You sound quite rational and I like alot of your argument. While many companies and the people that worked for them were greedy ,this crisis was brought on the government as well. Congress,mostly democrats,kept hectoring these mortgage lenders to make loans on houses to poor people. So the banks as long as the government was going to pick up the tap if anything went wrong,just forgot everything they know about credit risk and handed out loans indiscriminately. Poor people cannot afford to live in houses,until as such time as they become less poor and can afford to make a sizable down payment and can realistically meet their mortgage payments.This is the way life is,maybe it is unfair but it is reality. My son and daughter both employed making a middleclass salary cannot afford a house as of now,so they rent. Nothing wrong with this and there is no shame invovled. Politicians promising the impossible dreams to people are the ones most responsible for the housing mess. Obama is the king of pied pipers and therefore is dangerous and in no way should you vote for him if are serious about our economy