> Most people had no business doing the adjustable rate/ negative equity/no doc type of loans. I agree that mortgage lenders, especially those working with buil

> Most people had no business doing the adjustable rate/ negative equity/no doc type of loans. I agree that mortgage lenders, especially those working with builders, pushed people into them You're right, but I'm not just talking about the subprime issue. It's bigger than that with numerous companies providing different goods and services. We're beholden to a number of service contracts that are stacked against us. For example, I was stuck with a terrible ISP. Daily outages, constant resets, and times in off-peak ours where my throughput was absurdly low. No matter how much I called and complained, there was nothing I had in my favor, because the speeds "may fluctuate from time-to-time due to the nature of the service". My choices? Pay double for ADSL or put up with it. According to the contract, they're not obligated to give me 100% uptime with 100% of the bandwidth as advertised. That's understandable. But there was clearly an underlying issue with the infrastructure that was not being addressed. So contractually speaking, they can give me hand-wavy answers about why they can't give me complete uptime and throughput with no repercussions, but as the customer, I must pay my bill in full by the due date.