For some strange reason, I can't help but think about the move "It's a Wonderful Life" when I think about this situation. Do you all remember Mr. Potter (Lionel Barrymore), the miserable ******* banker who was the savings and loan's competition? We all hated him and hissed at him when he gave George the big lecture on how business works. But you know what? His manner was terrible, and he was a miserable human being, but he had it right when it comes to responsibility. When I bought my first house, I was scared to death of my mortgage. My first mortgage was only $16,000 - I put down 20% and didn't sleep well for several days after the closing. Do you think the people making $35K a year and taking out the $500K mortgages with zero down payment lost any sleep? I doubt it. They were only doing what they were encouraged to do. We need more than a bailout. We need an attitude adjustment, which is what the market is doing now. Unfortunately, it's taking responsible people down too. Let's just hope the strong eat the weak in the banking market, which is the way it's supposed to work, and the market can get back to its intended purpose before we all lose our life savings.