Learning about Moral Hazard the hard way

So I picked the more expensive fixed rate for my house. So I had to make tradeoffs to afford the house - investing more up front, scaling back in other areas to afford the payment. I made - as far as I can tell - all the right choices.

But now my taxes are going to pay for shareholders of big investment companies and people who have bought houses beyond thier means.

I’m learning the lesson - be irresponsbile, preferably rich and irresponsible, and you get a free ride. Be responsible and you get to pay for others getting the free ride.

Thanks government! Its been an expensive lesson for me, but I’m off to ruin my credit rating in a spectacularly reckless manner so I can get some of my money back.