On Sep 19, 2008, at 9:18 PM, richardsan san wrote:

> On Fri, Sep 19, 2008 at 10:11 PM, Bruce Johnson <
> [EMAIL PROTECTED]> wrote:
>
>>
>> on Real Time just now:
>>
>> "There are no atheists in foxholes, and there are no libertarians in
>> financial crises."
>>
>> watched that, it was a weird show. i thought it was going to fall  
>> apart
> near the beginning and end...

What I mainly learned was that Andrew Sullivan is a idiot who doesn't  
have the slightest clue why the economy is bad, or that he's just  
another 'I got mine, Jack, fuck off!' Thatcherite conservative.

He wants to blame it all on those greedy greedy pigs who bought houses  
they couldn't afford.

No, it isn't. The mortgage companies who came up with these stupid  
loans, got their fees and kickbacks, then dumped the mortgages in  
securities that the credit rating companies had NO BUSINESS rating as  
anything other than junk are the primary villains in this crisis.

There was constant drumbeat of cheerleading from the top on down about  
how this 'ownership society' was the endless wealth generator that the  
previous stock market bubble failed to be.

People were steered into complex mortgages on the explicit promises  
that the value of their house would always go up and rates would  
always be low; shows spread like wildfire on cable about the  
glamourous and profitable life of house flippers, and a gold-rush  
mentality was generated in places like California, Florida, Nevada and  
Arizona by mortgage originators and developers.

"greedy poor people" didnt' walk into a mortgage company and invent  
the Ninja loans, or interest-only loans.

(And I won't EVEN get into the kind of 'brownlining' that went on,  
steering mostly minority borrowers into riskier sub-prime loans even  
when their credit should have qualified them for better fixed rate  
loans.)

--
Bruce Johnson
U of Az  College of Pharmacy
Information Technology Group
Institutions don't have opinions, merely customs


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