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Mr. Gregersen: Assuming your letter is not tongue in cheek, you owe more than your house is worth because you bought it at the height of a real estate bubble. No boggie man at a big bad bank did anything to screw you. The only entity that "played with the economy" in 2008 was the federal government. Through a rigid enforcement of the Community Reinvestment Act (fully endorsed by Bernie Sanders) banks were coerced into lending to subprime, and frequently unqualified borrowers who had no intention of paying back their loans. Banks know what is in their best interest, and that of their shareholders, and lending to poorly qualified borrowers is not it. The strong arm of Big Government forced these loans, and no one epitomizes and embraces Big Government quite like Bernie Sanders.