How many edges can a sword have? You are so right about people who have lived beyond their means also having a hand in our present dilemma. It's understandable that families want the stability of a house of their own, but like children, they went ahead with mortgages offered them that they couldn't afford. Institutions are to blame for enticing these willing victims. Then there is the credit card abuse, committed by far too many people. Wall St. greed, golden parachutes, etc. seem to be mostly what is discussed. Do you seriously think that wealthy Henry Paulson, former CEO of Goldman Sachs, is seriously concerned with us, who do live within their means & think first, buy later, but now will be forced to pay for what should never have happened in the first place? We'll be "had" once again. Economic Recovery Act. Please.