The fact is, credit needs to be tightened up. People like Cunningham get in over their heads. That's on them. The onus of extending risk to such borrowers is on

The fact is, credit needs to be tightened up. People like Cunningham get in over their heads. That's on them. The onus of extending risk to such borrowers is on the lenders. These lawsuits are just going to be another factor in calculating risk, which will ultimately, one would hope, tighten up credit. Rampant, aggressive debt collection is just the flipside of loose credit and lending.