A Stupid Question

So… it’s said “there are no stupid questions, but there are LOTS of inquisitive idiots.” It’s in that spirit that I’m wondering… (a) if we’re (supposedly) in the worst financial crisis since The Great Depression, and (b) if the credit markets have dried up and financial doom is imminent, then (c) why the Hell am I still inundated with all those damned Ditech ads on my teevee? Hasn’t everyone who is anyone already re-financed or defaulted on their mortgages? {Accompanying mental image: head scratching. Lots of it.}

It’s shit like the above that got us where we are today… in VERY large part.