People refuse to accept that they were gambling (and have lost) I don’t think that a part time job at Lowe’s is going to make up for a major salary increase.

I totally agree about common sense, but the fact is that the people who gambled in 2002-2004 (at prices that were stupid to me) still have equity, even if they did an exotic loan of the worst kind.

Another year or so, and they may not have any equity.