I would like to make a suggestion on how a portion of the $700B financial aid package from the US Government should be allocated. I think the money would be well spent by sending a copy of "Gumby: The Movie" to all commercial and residential loan prospects.
This move teaches the fundamental basics of responsible borrowing and of the consequences of irresponsible loans. Getting ready to buy a home? Check out this masterpiece of claymation on the little big screen and avoid the Blockheads!
The follow up should be required viewing of another classic on living within your means - "The Big Lebowski". Live how "The Dude" lives and abide by him for the true key to happiness.
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