That’s terrible about the provate tenants sharon, can’t believe people can be so cruel!
Anyway, about the other situaiton, I can understand to a certain extent that the government and financial institutions have contributed to the problem, but at the end of the day, if the demand was not there, then they would not be lending that amount. I do think it is down to the individuals who borrow the money. At the end of the day, THEY signed for that money. They will have most definately have sat down with their partner/parents and decided that although it would be tight, they could afford it, when truth be known, they could no way afford it.