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					Originally Posted by sebastian_dangerfield  Whether enshrining into law the notion people are incapable of reading loan documents, and can't avoid being fleeced by lenders without aid of a govt agency to watch their back is a good thing is another question.  I'm not against the consumer agency's banning things like cross-defaults in unrelated consumer loans.  But I am nervous about society being told, "Don't bother learning how to navigate a lending agreement.  The govt will make it all nice and safe for you.  It'll make sure you can stay as uneducated on the subject as you like.  Nanny has your back." | 
	
 I think it is absolutely amazing that this is your take on this.  I take that back.  Since taking something that is a real problem and reducing it to the most simplistic form and then re-jiggering it to fit your brain-dead look at the world is your thing, maybe I shouldn't be surprised.  I'm not even going to bother addressing the substance in your post, since there is none there (and I made a promise that I just wouldn't anyway).  But you should note that, once again, I think you're fucking ridiculous.
TM