I'm not weighing in on the moral judgement, but I do believe that you misunderstood the comment you are responding to. I think previous commenter was saying th

I'm not weighing in on the moral judgement, but I do believe that you misunderstood the comment you are responding to. I think previous commenter was saying that lots of people like you with reasonable credit did take and run with those sorts of loans on crazy favorable terms, then when the value of the house dropped to half what was owed, many of those people defaulted on the loan; "Mailed the keys to the bank"