It was genius, such genius, and we bankers all got richer than God. They came to us, cap in hand for a mortgage, to buy a house for their sweetheart, something bigger for the kids and we scratched our chins, assessed their credit worthiness and made the loan. Here's the sweet part, that money we lent didn't even exist until the ink was dry on the mortgage paper, then after typing a few keys of our computers the money was created - an hour or so work for us, a lifetime of hard work for the borrower to pay us back in real labour. Plus if they default we own the house, so either way we convert fictional credits into something real with no effort. We invent the money and they work until they die of sickness or old age. But here's the best part, they think they're free! Ha, ha, ha, ha, what morons. Think like a mule, get ridden like a mule, that's what I say! They're the slaves and we're the masters and I don't care if they know. What are they going to do about it? Demand reform? Those idiots are too busy watching Oprah, feeling guilty over every calorie and posting their humdrum lives to social media. I'm more scared of my pet canary. Anyway it the word mortgage comes from the French meaning "death pledge," what did you expect?