Banks are the problem, not the people that think they in fact can afford this stuff. Can't agree. Banks may be taking advantage of the situation, but speaking

Banks are the problem, not the people that think they in fact can afford this stuff. Can't agree. Banks may be taking advantage of the situation, but speaking as one who used to have a bad habit of living beyond my means, people who do that are the problem. I understand the temptation too well, having succumbed to it. When one first starts to have some money after not having had much, all the things one has wanted to buy for so long seem much more important than saving for the future. I don't know that there's any way around that; people just have to go through it (many of us do, anyway). If you want to put some further restrictions on the banks, I'm not necessarily opposed to that, but blaming it all on them is not right.