I've hit on this many times in other posts. Our main issue in this country is that too many people have a sense of entitlement. When I first started in the financial industry, I started on the other side of it, on the sales side. I started my carreer as a financial planner. When I first got into it after college, I was working with Medicaid alternatives. I would go door to door in these poor neighborhoods trying to get them better health benefts through private alternatives which costed nothing. I was always surprised at how so many of these homes were filled with big tv's... the old 55" style RPTVs, statellite dishes, nice furniture, a cabinet full of liquor, and a car out front with $5k worth of rims on it. I'll be honest... I didn't and I still don't want to help them. I don't want to give, provide, lend, nothing-anything to people like that. I wanted and still do help people who live like they do in the small mobil home park not far from my neighborhood that's full of hard working folks who do all they can just to pay the bills. I've gotten them involved in community meetings and they've all very much worked hard to have a voice in city and county planning. Many of them are on welfare, but you don't see fancy cars in the driveway or dishes affixed to the home. They struggle everyday and those are the people I want to help.