How about if I max out my credit cards, get behind on the mortgage, wait until the power and water companies are ready to shut me off THEN scream bloody murder to the feds. Help! Help! I'm broke and about to go under - SAVE ME!!! The way that the powers that be see it is that if you are not white, poor and stupid, then you are in need of assistance. If you are a wealthy investment bank/hedge fund/insurance company and do some dirty dealings and are about to go broke, you are in need of assistance.    If you are white, middle-class and get behind on your bills then you are irresponsible and living beyond your means.    Pretty easy to see that our govt and the powers that be are not friendly to white, middle-class America. I hope that they keep hell really hot for ol' Teddy and all his buddies.