21

I don't know whether to be relieved or distressed that this poll indicates that 21% of Americans are insane. When you sign mortgage papers, it is pretty clear how much you are going to have to pay back (all of it, plus interest) and what the consequences are if you don't. If you can't afford it, don't sign the papers. Nobody is holding a gun to your head.

Bailing people out of this creates a nasty moral hazard problem and penalizes all of us that play by the rules. If there were frauds perpetrated (and there were), take 1/1000 of the money allocated in the Senate bill and hire enough prosecutors to charge everyone involved under the appropriate statues (mail fraud for one if any documents were sent by USPS).