Isn't that what this election is about?

Doesn't Anyone Have To Take Personal Responsibility Any More?

"I strongly disagree with what seems to be the growing opinion that borrowers, specifically those who got mortgages the past few years, had little or no responsibility to read and understand the documents they were signing and the loan they were getting. Even when the terms were explained to them, when they were told about possible interest rate adjustments, and when they could have/should have/were in a position to know, borrowers increasingly (and to my mind inappropriately) are being considered unwitting victims."