if you didn't live in a cardboard box and had a job, you got a mortgage....
ask a bank loan officer how (metaphorically) a gun was held to their heads to write loans that they new were bad....
I know people that wrote them....they wrote mortgages for people who couldn't handle a car loan....c'mon...wake up...smell the Demorat roses....OOOOh, that's right....they stink!!!!