Actually, that is a bad year! That is when baby boomers start suckling into Social Security & Medicare. By then, they will also be liquidating 401(k)s for living expenses, there will be strain on the few surviving pension funds, the indigent baby boomers will be taxing SSI/Medicaid/Medical. Many will be downsizing by selling their larger family homes for smaller retirement homes. In other words, that is when all hell breaks loose!
Compared to that, subprime seems to me like horse de vours before a banquet