This video was the most clear communication i've heard/read/seen on this topic in a while. Kudos to Jonathon Jarvis for his creativity and insights!!! (Side note: Check out the stereotypes of the irresponsible home owners at the 7 minute mark!)
Favorite reality check: "...playing hot potato with a time bomb." If you want to check out his website (it's pretty sweet) go to jonathanjarvis.comThe Crisis of Credit Visualized from Jonathan Jarvis on Vimeo.