The simplest solution is to recycle the Toll Brother monstrosities (I'm sure there is substantial value in the gold plating on the faucets), repossess the overconsumer's leased BMWs, and put them all in public housing projects until they pay off their credit cards.
Sorry, if there's one thing that makes me angry it's people spending themselves into debt for stupid consumer possessions and fancy houses. Speaking as someone who has 46% of his business income stolen by the government, my taxes shouldn't pay to rescue them from their idiocy.
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