Your Government Wants You To Fail

[Michael Carbonare]

𝐘𝐨𝐮𝐫 𝐠𝐨𝐯𝐞𝐫𝐧𝐦𝐞𝐧𝐭 𝐰𝐚𝐧𝐭𝐬 𝐲𝐨𝐮 𝐭𝐨 𝐟𝐚𝐢𝐥.
They're doling out mortgages to borrowers with 580 credit scores and 3.5% down.
Give people with weak credit the smallest possible down payment.
Put them into the most expensive asset they’ll ever own.
Then hope nothing goes wrong.

But something always goes wrong.
A job loss.
A medical bill.
A car repair.
A recession.
Poor financial decisions.

When you start with almost no equity and weak credit, there’s no margin for error.
Through January 2026, 11.5% of FHA mortgages are delinquent. Conventional loans, 2.9%
FHA loans account for nearly half of all foreclosures despite being only 15% of all mortgages.
And yet the system keeps pushing people into homeownership as if it’s some kind of moral obligation.

Did we learn nothing from 2008?
Lower the standards.
Expand access to easy credit.
Pump up housing demand.
Then act surprised when defaults rise later.

Not everyone can buy a house right now.
Sometimes the smartest move is to rent, save cash, build your credit, and buy when you’re stronger financially.
𝐓𝐡𝐞 𝐬𝐲𝐬𝐭𝐞𝐦 𝐢𝐬𝐧'𝐭 𝐛𝐫𝐨𝐤𝐞𝐧. 𝐈𝐭'𝐬 𝐰𝐨𝐫𝐤𝐢𝐧𝐠 𝐞𝐱𝐚𝐜𝐭𝐥𝐲 𝐚𝐬 𝐝𝐞𝐬𝐢𝐠𝐧𝐞𝐝, 𝐣𝐮𝐬𝐭 𝐧𝐨𝐭 𝐟𝐨𝐫 𝐲𝐨𝐮.