HN.
Nowhere did I say you had planned to go bankrupt, re-read my posts.
You're right to a certain extent, taxpayers pick up the bill for defaulters but before it gets that far it's the customers, the likes of me and others, who pay for it in charges and interest and all those little deductions that appear on our bank statements every month. Saying it's ok because the banks are doing wrong doesn't make the actions of those who deliberately........(note that part, deliberately)........ use bankruptcy as a tool right.