"Borderline annoying" means I am doing my job. 
The problem with you son is the you are also trapped in that Paul Ron fella's bubble (isn't he some kind of crackpot old TX politician?). I have listened enough to know he offers NO real solutions, just as the majority of those who know about this issue feel about Mr. Ron. That's why his views get no traction outside of individuals like you who drink the Ron fella's Kool-Aid.
The pot calling the kettle another color,
People like you are so caught up in the fact that "your guy" won you can't see the big picture, or don't want to. The government has been engineering this mess for the last 30 or so years and only they know the intention. You can start with the Equal Credit Opportunity Act in 1974 and the Home Mortgage Disclosure Act in 1975. CRA in 80, Expanded CRA in 95, 99 the repeal of theGlass-Steagall Act. I'm sure I've missed some other dumbass thing the government managed to pass or repeal in that time frame.
If you will notice the one thing that stands out in all of this is the
government passing or repealing acts that adversly affect the lending practices in the United States.
So after all this you really believe that the government, the same government that set the conditions for all this, is going to fix just because "your guy" won, then you are delusional at best.
You are what Lenin would call a "useful idiot"
