why is it my fault that the bank gave 10 assholes a loan that they couldnt afford that drove up the prices on my block? They are bankers they know about money, and believe it or not actually spend quit a bit of time in school learning about it. Wether you want to admit it or not "people" are not educated about money or investing. They dont know the difference that one percentage point will make in their loan payment, they dont know what an ammortization schedule is. That is why we have bankers, if everyone was smarter than them, bankers would not exist. If you can answer this question with a well thought out response I will shut up. When something happens to you medically, and you had previously just seen a doctor, why is it the doctors fauly? When something happens to you financially, and you had perviously just seen a banker, why is it "your" own fault?