Some people did get caught in the cross-fire, but that's because they bought into variable rate mortgages, which are just stupid. I don't have a variable rate

Some people did get caught in the cross-fire, but that's because they bought into variable rate mortgages, which are just stupid. I don't have a variable rate on a credit card even though I never go into debt, so why would I want it on a $200,000 up-front debt?