Given a Shovel, Americans Dig Deeper Into Debt - NYTimes.com

Not sure what Wall Street gets out of this in the long run. Sure you get quick profits off the working class, but the money has got to be paid back someday. Or do you write it off as an expense and take the fees and interest as profit. Either it's reckless at best and disturbingly amoral at worst. This is the point of government; to protect its citizens. Even if it is from themselves.