Find a new way for Americans to get into debt and you can just about write your own ticket. The last thing that banks and credit card companies really want is for people to be truly financially independent. Just think where they would be if everyone paid cash for things?

My proposal is as follows. There is no need of money down on a housing loan, just that the buyer will use one kidney and a portion of his liver in leiu of collateral. Since we’ve seen that the price of a house can fall, the bank or investors need to make up their losses somehow and they will do that by selling a portion of the borrower’s liver or one whole kidney. The more cosigners of the loan, the more organs can be harvested. This will allow healthy people of modest means to live in McMansions or own beachfront property.

This is all to engineer an “ownership society.” : D