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The bank / lender is not forced to lend anyone money, they decide to when they think, despite all the risks, including bankruptcy, they should be able to make money. I don't believe they are being unfairly burdened with the responsibility of lending money to us irresponsible masses who can...

Yeah poor banks, they never knew aobut the bankruptcy laaws in the industry they operate in :confused::rolleyes:

Not quite sure that makes sense ? So someone's personality isa that of a thief, but their character can be that of a respectable person who would never hurt a fly ? For then 2nd time I think I agree with kathryn's response.