When you buy a toaster, if it explodes in your face there's a law that says your toasters need to be safe. But when you get a credit card, or you get a mortgage, there's no law on the books that says if that explodes in your face financially, somehow you're going to be protected.C'mon now. What's wrong with this analogy? If a mortgage or credit card debt "explodes in your face," you're at least partly responsible, no matter how onerous the terms of the original contract. It may be "defective" in the sense that it was a bad deal for you. But it's working as it was designed to work. Those who are duped by bad deals are not the same as those who buy a physical product that doesn't work as it was supposed to.
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