[hueving]

If people are stupid enough to enter into mortgages with payments they can't afford then they shouldn't be allowed to enter into any kind of legal contract. No credit cards, no payment plans, no cell phone plans, no insurance, nothing. Honestly, they shouldn't even be allowed to choose what they eat since they aren't certified nutritionists.

Your comparison to Nigerian scammers is irrelevant because there is nothing legitimate about a Nigerian prince scam, it's just stealing money. Millions of people have mortgages they can afford and pay for them just fine.