One problem is people selling their home to pay for snake oil, so their children now are not only orphan but also homeless.

Imagina an evil bank clerk on the door of a cancer center that says:

fake quote> There is a new promising [unverified] treatment that can save the life of your S.O. It's very expensive so you have to take a double mortgage on your home. You are very lucky, because today we are offering it with only a 49.99% interest rate. Do you love him/her?