Just another member of the 'I know better than you' club. Like it or not, that is the way of the world now. And yes you do pay for your house in advance, the mortgage company does then you are liable (for three times it's value)
What you should be criticising is the Mike EDGEWORTH family, but no, kick the victim instead. Guess when someone is mugged it is their fault for being in that part of town...