Exactly. It is a problem of too much money still looking for returns so why not go after the same people they did 10-15 years ago. Last time it just didn't matter what you put down for income if you even had any, now they just let you add everyone and their grandmas income until you get to the magic number. Who needs logical, conservative, enforced regulation of the banking and lending industry? I mean what could go wrong self policing? So frustrating that we the people keep doing this to ourselves. Ultimately WE elect these politicians that are owned by their financiers. In this case it is the president but you could rattle off a list of things congress has done in this same vein.