The real estate agent is starving and the $15,000 commission he needs bad, the loan writer wants his $10,000 for writing the loan. At this point its like two high school kids dating, the girl wants to go see the movie, the guy has other plans.
Also a lot of people look to see what their friends have done and use that for reference. If “they” could do it, we can do it too. There we go with a new definition of the word “sheeple.”
The real issue here, is not “can we dig a hole here,” but rather “how were we able to dig it so deep as so we couldn’t get out of it.”