The same could be said about home mortgages. The increased availability in loans has exploded housing costs. ...and we've seen where that went. The problem in

The same could be said about home mortgages. The increased availability in loans has exploded housing costs. ...and we've seen where that went. The problem in all of these is the promise of a must-have little more if only repayment can be extended and others can be persuaded to contribute. What were luxuries become perceived as necessities. (And yes, I've said "no" to hospital tests, mortgage offers, and tuition financial aid.)