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Wall Street Invents New Form Of Mortgage-Rape

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The United States housing market – and real estate system – is a very efficient machine. What it is not “efficient” at doing is providing affordable housing to the broadest number of Americans (the stated agenda). What it is efficient at doing is blowing-up massive asset-bubbles, and burying Americans under mountains of unpayable debt (the real agenda).

We can establish the true agenda of the U.S. government in the housing market (and the banksters who pull its strings) by simply examining any/all “innovations” in this market which banksters and political shills alike agree make the U.S. housing market “better” than that of other Western nations.

The obvious starting point is the mortgage-interest tax deduction. Here, the Big Lie is that mortgage-interest deductibility makes U.S. housing “more affordable” – by slightly reducing the financial burden of the debt. This is more of the infamous “static analysis” in which the propaganda machine specializes. To illustrate this requires defining that concept for readers not familiar with this term.

Analysis comes in two forms: “static” and “dynamic”. The difference between static and dynamic analysis is literally as stark/extreme as the difference between a two- and three-dimensional image. Exactly as with the two-dimensional image, static analysis lacks depth – the “depth” of time.

In an ever-changing world, static analysis is a still-photograph. It (attempts to) “analyze” some phenomenon with the unstated (but ever-present) premise that nothing changes in the world around us. Remarkably, even the direct change taking place (over time) in the phenomenon being examined is ignored.

It is analysis which is simplistic by definition, and as with most simplistic thinking it is usually seriously flawed. The ultimate example of (simplistic) static analysis is Keynesian economics, otherwise known as our credit-based economic system. The premise of Keynesian economics is the epitome of simplicity.

There are economic advantages (in terms of a “stimulus effect”) from introducing debt/credit into any economic system. Thus Keynes (and his modern-day Disciples) tell us that since taking on debt once (and only in a small amount) is advantageous, that we should do it all the time; forever. It is the ‘logic’ of the cocaine-addict.

It is an “economic theory” (to be magnanimous) which states simply that “maxing-out our credit card is great”; but is utterly silent on how the credit-card debt can ever be repaid – once our “credit limit” is hit. The closest these Zealots come to ever even considering “sustainability” is to tell us that as long as the growth of debt is at or below the level of economic growth that everything is fine. Translation? As long as we can make payments on this debt (as the debt is growing) then “everything is fine.”

The Debt Zealots have no answers/guidance to offer once debt-levels inevitably exceed sustainable levels, thanks to an arithmetic process which is apparently too complex for the Debt Zealots to understand: compound interest. (Un)fortunately, we no longer need any “theory” from them on what happens once debt is no longer sustainable; as we have plenty of economic fact around us from which we can answer this question.

What happens when the cumulative interest payments on debt become unsustainable? The Deadbeat Debtor begins to borrow additional money just to pay interest on debt. This has the direct mathematical effect of transforming the speed at which debt (insolvency) rises from a ‘mere’ geometric rate (compound interest) to an exponential rate (“compounding” the compound interest).

All exponential functions in (finite) economic systems come to a quick-and-gruesome end. In the case of the unsustainable debt-bubbles of Keynesian economics; the obvious end is debt-default. Greece has already imploded, and all of the economic games being played by our morally/intellectually/economically bankrupt Western governments are simply to delay the inevitable – and at a highly destructive cost.

This brings us to dynamic analysis of the U.S. housing market, and specifically the mortgage-interest tax deduction. The effect of this deduction (even with static analysis) is obvious: it allows Americans to finance higher levels of debt – i.e. it “raises the limit” on their credit card.

Now to the dynamic analysis: what happens when you raise the limit on everyone’s credit card? You maximize debt and drive-up prices.

The first half of that conclusion should be apparent to readers. Human nature alone tells us this must be so. It is Kid-in-a-Candy-Store syndrome. Give people more buying-power, and they will spend more. The second half of the conclusion is an inevitable consequence of the first, i.e. more dynamic analysis.

At any given point in time, there are a finite quantity of goods in any economy (housing being a prime example). Give everyone more buying power, and buyers begin to “compete” with each other for this finite supply – with the result of that competition being soaring prices (the “housing bubble”).

What this means should now be self-evident to all. The U.S. mortgage-interest tax deduction not only maximizes overall debt-levels (by enticing debtors to take on greater debt), but these higher debt-levels drive up prices significantly.

Not only does this ultimately make U.S. housing less-affordable for all, it is an artificial means to allow borrowers to become buried under debt-levels their (declining) incomes cannot possibly sustain over time. Thus it is also a permanent recipe for an endless series of housing-bubbles (and the foreclosure-massacres which follow). One cannot argue with either arithmetic or “human nature.”

We can come up with a very simple title for the agenda of the U.S. government (and the Banking Oligopoly) to maximize debt-levels among Americans: debt-slavery. We see identical patterns with U.S. consumer-debt and student loan debt. Debt slavery represents the pinnacle of “engineering” in the Oligarchs’ vision of a Feudalist Utopia: slavery where the Serfs wear invisible chains and pay for their own up-keep.

But the Oligarchs, and their Foot Soldiers of Debt (the bankers) were not content with merely maximizing the debt on one mortgage for the Debt Slaves. They wanted to enslave the Debt Slaves with multiple mortgages. They enlisted the aid of the Oligarchs who own/operate the propaganda machine.

Voila! Overnight, “second mortgages” (the ultimate shame/horror of our parents and grand-parents) became “home-equity loans”. Chumps weren’t squandering equity which they had slaved for years/decades building up; they were “accessing the additional credit they had earned.”

However, for the rapacious Vampires of Wall Street; this process of first enticing the Chump into one too-large mortgage and then enticing the Chump into a second and totally unnecessary mortgage takes too long. Thus the Vampires have announced yet another “innovation” in the U.S. housing/mortgage market: duping Chumps into taking on a first and second mortgage at the time of purchase.

Making this new scheme even more heinous is that the banksters have coupled this “innovation” with “the return of no down-payment” mortgages. It gets better. Because the banksters are actually forced to back these loans with their own money (since the government won’t insure zero down-payment mortgages); they have “attached some strings.”

The Chumps receiving these “special” double-mortgages must pledge vast amounts of additional assets as collateral, in order for the banksters to bestow upon them the honour of two mortgages at the time of purchase. Of course what is actually happening here is high net-worth home-buyers (who could easily finance a down-payment) are borrowing the down-payment (the second mortgage) – and under extremely onerous terms.

The consequences of this new innovation should be clear to all who have begun to master dynamic analysis. Expanding credit leads to higher debt-levels and higher prices as the banksters blow-up their next bubble; while the additional collateral means the banksters can steal much more of the Chump’s wealth when their bubble bursts – and the foreclosure process begins.

I thought the U.S. now had a “Consumer Financial Protection Bureau”? Guess I was wrong…

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Jeff Nielson
...
written by Jeff Nielson, February 03, 2013
Jeff: You used a lot of words and analysis to drive home a point made by people of my parent's generation who lived through the Depression: "live within your means". I and most of my contemporaries well heeded that admonition and tried to pass it on to our children. With some it succeeded, will others not so much. At least mine will be totally debt free by age 50; that was my personal advice to them. But to do so, they have had to eschew the Beemer for a Chevy and the McMansion for a modest home even though their incomes would warrant an more expensive lifestyle. Unfortunately, the late "boomers" (those born after 1950) threw caution to the wind largely due to dynamic societal changes, the availability of credit to anyone who could breathe, and the boom years up to 1980. Their children and grandchildren will now suffer the most under the new collectivist debt enslavement and the totalitarian control that will inevitably follow.


Apberusdisvet, you've hit upon perhaps my greatest outrage; because it exposes how we have COLLABERATED with our Oppressors.

It's one thing for someone to choose to be financially irresponsible personally; but we've gone far, far beyond that. We've not only engaged in collective financial irresponsibility, but LITERALLY "mortgaged the future" of our children and grand-children.

Apparently polluting the world and destroying most of its species was not enough of a Legacy for us to leave our heirs? Is it any surprise that the "rape" metaphor makes it into more and more of my commentaries?

What we've DONE TO our children and grandchildren was certainly done without their consent. So we can add "collective child-abusers" to our resumes as well.
apberusdisvet
...
written by apberusdisvet, February 02, 2013
Jeff: You used a lot of words and analysis to drive home a point made by people of my parent's generation who lived through the Depression: "live within your means". I and most of my contemporaries well heeded that admonition and tried to pass it on to our children. With some it succeeded, will others not so much. At least mine will be totally debt free by age 50; that was my personal advice to them. But to do so, they have had to eschew the Beemer for a Chevy and the McMansion for a modest home even though their incomes would warrant an more expensive lifestyle. Unfortunately, the late "boomers" (those born after 1950) threw caution to the wind largely due to dynamic societal changes, the availability of credit to anyone who could breathe, and the boom years up to 1980. Their children and grandchildren will now suffer the most under the new collectivist debt enslavement and the totalitarian control that will inevitably follow.

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