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Chico I made a bad deal on my first car.  I didn't negotiate at all and just took it at the asking price because I was naive and didn't have self confidence. The last car I bought almost made the salesman cry because I wanted more, more, more.  Which I got. Did I blame society for my first bad deal.  Nope,  I just blamed myself for being uninformed.  A dolt.  A rube.  If loan companies went outside the law to make bad loans to idiots, it will be corrected by a new law.  Lawmakers can't predict where the next fleecing will take place so laws are created retroactively.  I, personally, don't feel at fault for greedy people buying more than they could afford at "loan shark" interest rates.  Next time they'll be smarter.   
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