Same thing with with 2008 sub-prime mortgage crisis. A lot of people will say "well they shouldn't have taken those loans." Yes, true, but it would have been much easier if they were never allowed to be offered in the first place. Some people are against the "save the people from themselves" mentality, but it really seems to be a lot more effective and there's not a strong argument for allowing practices that are likely to result in average Joes taking deleterious actions.