No amount of rationalizations can change the downturn that has already begun. All things in life have to reach equilibrium, homestasis, balance – whatever term you wish to call it. The only people that are “disgruntled” are those that are directly tied to that which is going on right now. For some of these people, like families, couples, etc., that were trying to get into genuine homeownership and are now looking at foreclosure, bankruptcy, etc., I am sorry for. For the sharks that used the rapid run-up for their own selfish greed, the “whatever goes around, comes around” saying is appropriate.