People are caught up in their own fantasy world of real estate. Greed suggests to them that "It might happen but not to me"... Surprise, the .01% are not in the game of making us money but are in the game of squeezing every penny out of greedy foolish investors who have worked hard for their money. They are sociopathic which allows them to steal without conscience. Watch out because they just put some very high quality peanut butter in the mouse trap... want to guess who the mice are?