there's other ways around this, as well, and i think the concept of due diligence is probably being underutilized.

that working class dipshit that got a divinities degree at harvard and works at starbucks probably has an excellent argument that the banks should have known better than to given him that loan. and, it should fall to the courts to work these things out on a case-by-case basis, not the legislature to write laws about them.