Troublesome for sure, but the bankers are happy with interest payments again so that's good. And, the fed is feeding the frenzy, not unknowingly, although they are I believe chasing inflation now. Economic cycles are boom/bust and bankruptcy works just fine too. Still, it's odd that lower incomes being higher risk carry higher interest payments, these are the people fueling the consumer based economy. Times are good, people are working, and America will pay the most of them just enough to get by. Still, it's good enough for many, people do need and like to work, we want to be independent and stand on our own two feet it's dignity. But, I still believe employees are more throwaway then ever before in history.