So here we have it . All ya suckers with your margin loans, ya suckers who max out ya credit cards to pay for your lattes, ya suckers syphoning off the HECS loans, ya suckers draining the credit for cars that loose their value overnight etc etc. That very credit that drives this economy and the housing industry that is a critical component in the mix that pays wages, gives self funded retirees their returns etc etc. Bitter retorts do not disguise the reality that is at the roots of capitalism and that is at the very heart of every share site on HC. Why single out the genius of successful people on the property forum.