For those that think that rationing couldn't happen here in the US, it already is with Medicare.

The rational is the same as switching more stocks to bonds as you get older, you have a lower risk profile because you don't have the time to make it up.

My guess is that the OP, 22 years old, is looking for rationalization for NOT going to college.

And the above examples I don't think are good analogies - renting a crane and using it for other productive work is not the same thing as renting something and just pocketing the middle man fee.

You see, I thought I was speaking to a rational human being. 

I just finished Dream Big which is more about the mentality of good managers but it has a lot of great rational behind it.

I love the idea of cutting out the middle man.

I use a mortgage broker who has been great thus far but now he is telling me my debt to income ration won't allow me to borrow anymore at this time.  

Most newer property, single house/plex/condo, are at about 0.5 ration, so essentially it is barely break even, or you may end up paying out of your pocket for $100 a month.

Since that that would get rid of the middle man as that sounds like that's the ideal that you have right ?