Mortgage loan companies have put the average working class citizen into a cycle of debt. They have made billions of dollars by preying on people who would have been unable to be on the housing market. They exploited the American dream of owning one's own home. Recently the Federal Reserve has pumped money into the system to shore up the major lending institutions on the Dow Jones. This is nothing short of a blatent disregard for the American population and is an example of how far our free enterprise system can takes us. For an indepth article from a left of central pespective see Predatory Lending: Cheating Workers Out of House and Home