Don\'t get me st- too late!

 Once upon a time, the American Dream was thought to be realized by the ownership of property.  The most conspicuous type of property is real estate.  Thus, at the end of WWII, the Greatest Generation mapped out the path with a little help from the GI bill. The rules were simple, the math was basic, and everyone understood and agreed to the terms:  Work hard, and after thirty or so years, you will be the king of your own private fiefdom.  Fast forward about thirty years, (right around when those fiefdoms coronated their first kings) and the idea of the American Dream being imperfect began to circulate.  Here is where you and I may begin to part company ideologically, but indulge me for another paragraph or two.LBJ's Great Society was dedicated to the proposition that the American Dream was a birthright, and not an agreement at all.  Subsequent administrations (with the possible exception of Reagan) allowed the idea to morph and fester like a cancer.  A great clamor arose for fairness. Lost in all this was the fact that the mortage was the vehicle in which most arrived at the dream.  As our government became bloated with more and more silver spoon-fed children, the  mortgage (and the banks that wrote them), became demonized as the problem.   The solution?  Make the dream easier to achieve by redefining mortgages.  In fact, banks were encouraged to stop writing mortgages about ten years ago.  Our fathers would not recognize the agreements that were suddenly being churned out in the interest of making the American dream more fair.  In their time and mine, a downpayment was part of the agreement to achieve the dream.  The idea was to have some skin in the game. Well, our elected idiocracy thought it would be really neat to have mortgages without downpayments.  Never mind that this was akin to making cars without brakes.  Fast forward to the present, and our economic superhighway is awash in bloody red ink, and our newly-minted government for change has only one idea - more expensive cars.  I vote no.