No kidding. FTA: "They and their families made borrowing decisions based more on emotion than reason..." Really, that is the justification in all this? I felt

No kidding. FTA: "They and their families made borrowing decisions based more on emotion than reason..." Really, that is the justification in all this? I felt like I should get a loan (not "I truly need the loan because I've reasoned through all the details and risks involved") is now an excuse? Who's fault is that exactly?