Sounds like you have a pretty good handle on what's going on in the world of finance. Thanks for helping me to understand a little better. From what you're saying, it sounds like lack of responsibility underlies the whole recession that hit in 2008. And those with the most responsibility are suffering the least consequences. What a rotten system. I guess you have to be in it to really see what's wrong.

I have always rented and used to always rent from a hands-on property owner. I loved it. I was a much valued tenant, and my landlords/ladies would do so much to keep me happy. Where I rent now is a small complex that got sold to a consortium of investors. I have no idea of who they are. Now I know what the term "absentee landlord" means. I deal with a manager who only cares about managing the property as cheaply as possible. I can't tell you how much I wish I was renting directly from a real owner who would like the way I treat the property and value me. I live in a one of two triplexes.