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I dont know, i still think its 60/40 blame on banks/people trying to get a loan. A lot of people probably honestly didnt know what they were getting into and thought "why would the bank lie to me."
in either case, I think the theft will continue to go up and up. people loosing their job and still have bills to pay will put them in a tight situation, especially if they have kids or their wife is prego, then it escalates the situation even more.
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