"The free market has the power to work the problem out, as it always does. There may be short term pain for many of us..." EXACTLY! This article is right on the money. We are quickly turning towards social economics, which have been proven over and over again not to work. We are trying to avoid the pain that comes from very poor decision making. This country is addicted to instant gratification and to getting something for nothing. Discipline is a bad word and nobody wants to take responsibility for themselves. Its an entitlement mentality. It will not work.