I wonder if this is typical end-of-cycle behavior: 1. Sub-prime is back 2. UK lenders announce mortgages where loan amount is set with reference to joint child

I wonder if this is typical end-of-cycle behavior: 1. Sub-prime is back 2. UK lenders announce mortgages where loan amount is set with reference to joint child and parental income 3. Other examples of frothiness welcome. I wonder if banks get to see the end coming ahead of everyone else - but in order to meet business targets, have to relax lending requirements to keep the party going just a little bit longer.