[Dracophoenix]

>But the real problem is bailouts and cheap loans for the rich to cruise through the downturn while the ordinary person will likely lose their job and healthcare.

While I agree with the idea that government shouldn't give bailouts, I don't see how obtaining cheap loans when one has sufficient collateral to wager is a problem. Banks tried subprime lending before and the result was a global recession and a tighter grip on the financial industry.

[nine_zeros]

Acquiring cheap loans without losing collateral when things go south - is the problem.

[Dracophoenix]

Are you referring to bankruptcy courts or something else?