Yes you do. Just look at what the mortgage industry did. It got HUGE and made Billions of dollars by selling junk loans. It happens all of the time, in every industry. I think you are giving the average American consumer too much credit. Remember, the average American consumer thinks Taco Bell is real Mexican food, thinks walmart is good value and thinks George Bush was a great President. The average American is stupid and uninformed. That's where these companies make their money....on ignorance.
Again, just my opinion.
