[PBO]

Hahaha...OK drug dealer is a bit extreme but the supply & demand example does work

I've been a mortgage broker in a former life & I would never allow a client to enter into financial hardship just because they wanted to. I had a responsibility - morally & ethically to look after the interests of my client & their families...just because Mum & Dad might be greedy doesn't mean that I should ignore the fact they have children or that they may not fully understand all the considerations. If you understand these considerations then you should act appropriately, this was evidently not front of mind during the sub prime & banks/bankers were the vehicle of the GFC

I have a mortgage & credit cards also...I also understand how to use them to my benefit, the majority of people don't & banks capitalise on this fact