But... but... it's all the fault of those predatory lenders.
They swooped down on those poor innocents who thought $600 a month for a $250,000 mortgage made perfect sense.
Those bastards!
Big Oil, Big Tobacco, Big Pharma, Predatory Lenders, Fast Food Nation... it's tough out there for the little guy. Good thing we've got Fluffy Cuddly Law Firms to protect us!