This is a way of making more lower, and lower middle class people, dependent on the govt. Take more money from those that have it, give it to those who don't deserve it. I never read anywhere, where if your in debt, go borrow more money. I believe anymore, that the govt. is doing this on purpose, to create more of a socialist society. More people/business's/banks, that are dependent on govt. handouts, the more control that the govt. has. Not a good thing. Only bad can come out of it. gypsyman