I understand what you’re saying but there are always going to be risks so rather than dealing with this now, we’re just making an even larger problem for the future. Local, state, and Fed gov’ts aren’t going to trim spending anytime soon. Consumers will continue to rack up debt and with the proposed bailouts, little will be learned other than bad choices will not be punished. Plus, who knows what new challenges we’ll have in five years. Its amazing how quickly we went from the tech bubble to the housing bubble. You’d think that many people learned from the tech mania. Nope, they were busily running off to cash in on the next mania. Heck, many people think 9/11 is now ancient history. People’s memories are short and selective. I have little faith that delaying the day of reckoning for this problem will make it better.