Here is another blurb from my latest long-distance telephone bill:

Tame Predatory Lending

Millions of homeowners face foreclosure in 2008 as their mortgages reset to higher rates. Much of the blame for the mess goes to predatory lenders, who lured borrowers with low rates, pocketed their fees and resold the loans to investors. Lenders were rewarded for pushing big loans on unqualified borrowers and now face no penalty if they default. The Homeownership Preservation and Protection Act would force brokers to ensure borrowers can afford mortgages they take and bar commissions for brokers who make loans to unqualified borrowers.

Note the terms “predatory,” “lured,” and “pushing,” each of which infantilizes borrowers. By the way, one result of depriving lenders of the benefit of their bargain is to put homeownership out of reach for many people. This is another example of progressive do-goodism.