Man. On one hand, I like the idea of loans and leases, to help people who can't currently buy something get something they want. It gives greater access to prod

Man. On one hand, I like the idea of loans and leases, to help people who can't currently buy something get something they want. It gives greater access to products, which seems like a good thing. On the otherhand, it seems like people just aren't responsible enough to deal with it. They're no the rational actors that my free-market economic paradise needs. :-/