gh.....Would it be criminal to apply for home/car/boat loans that you knew were beyond a reasonable ability to repay? Or do you think that the foreclosures are a result of the banks and government?

Just who is it that signs all those contracts? And why would they be criminal in one instance, but not the other?

Personal responsibility is a tough pill to swallow, especially if one doesn't get what they want when they want.
I say these things knowing that using too big a paint brush paints some things not meant to be included, but unlike the "politico's", I realize that not ALL are like the "problems".