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It's true that they didn't feature that very prominently (and still don't), but I place the onus on the consumer. If you're going to engage in any purchase (house, car, etc.), you are responsible for finding out the total cost of ownership. In my view, it doesn't take a rocket scientist to that if you make $40, per year, then you have no business trying to buy a house that costs $ . Yet during the housing bubble, transactions of that nature were commonplace. One poster on this board mentioned a person who "bought" a $ k house with zero down, and the buyer didn't even have $2k in cash to pay closing costs. There was too much emphasis on "I want," and not enough on "Can I?" I held off on buying during the first half of this decade because I felt that the unprecedented increase in home prices (30% or more per year in some areas) was wildly unsustainable. I'm not all that bright (some even think of me as a doofus), but even I was able to foresee the problem. I was also able to determine that getting an ARM was a bad idea. So if *I* could do the math, why couldn't so others? its late its hot im bored ask me anything
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