Posted On: December 4, 2007, 9:47 am CST

Posted By: N. Judge

This is about an idiot or committed arson and used what is real - and not "so 60's" but still happens - to attempt to mask his crime. When the insurance was issued, his credit score was probably fine. But so many people are in financial trouble - particularly middle class, middle managers who stretched with creative financing to get into home they really couldn't afford. They were thinking that with appreciation they could refinance, take the appreciation to put on the principal and finance a lower mortgage amount even if the rates went up. Or they were lulled into believing the rates would not go up. Either way, they were not prepared for their homes to not appreciate. And the mortgage companies were more than happy to lead unsuspecting homeowners down this path. I don't mean to say the homeowners are blameless. I'm just try to explain the desperation of those who find themselves in this situation. They're usually middle income workers who have just gotten over their heads. It's a unfortunately coincidence that those chose the black guy to highlight this growing trend.

Now, why is it that if women use their wiles we don't refer to "using the female card" and if a white person says oh my family is from County Cork, we don't refer to it as "using the Irish card?" Human beings all use whatever THINK might be an advantage for them at a given time or place.