This situation is troubling and it mirrors the rest of the debt-based society that we continue to live in. Stimulating an industry through a rough patch can be a good idea when there is a reasonable likelihood that the downturn will end in the short term. Unfortunately, it's been 10 years now and there really is no pathway in sight to an end to this situation. The government, the lenders and the consumers are all using debt to perpetuate an unsustainable paradigm rather than allowing for a reset.