Please add car salesmen to the blame list. Can’t buy a car? Let’s just refi that house of yours. I’ll hep ya wit the paperwork. Here you go, my pal over here will get you a little boost for your appraisal, we’ll go to the bank and do the refi and you can have this here nice new rig and some cash to boot. There y’ go, now I’ve got you mortgaged to about 30% over the real actual market value of your house, and your payments are, well, maybe affordable if you keep your job and wifey can get a little overtime, and woops, lookie here, now your house just took a little tumble in the market and you’re foreclosed, and you’re out but you got that nice new car you wanted.