Bernie Madoff,  Enron, etc. etc. weren't at fault: it was the investors who were the true guilty party.Also, I would suggest that as a crowdfunding portal owner, you may not have the most neutral opinion on the subject. 

How can you be guilty of failing to remedy a situation you were not aware of?

I had just received the 3rd phone call from a very pregnant wife pleading with me, “babe, when you coming home?

The house is occupied by the owner (among others).He might be guilty of some kind of code violation or something, but not in violation of the terms of the mortgage.

In the event of a dispute the EM can get inter pleaded into a court of law.

He proceeds to name the multiple guilty parties and practices which created the crisis.

I made a few mistakes as I felt guilty that I was not around to help so was more than accommodating for additional perks (pest service contract, allowed reimbursement for spoil food when refrigerator has issues, professional carpet cleaning at lease renewal and a few more).

I also know that in many areas, the attitude of those on a jury is pretty much, "if they weren't guilty they wouldn't be here", regardless of their instructions by the court, that still plays in the minds of many people. 

I am definitely guilty of talking a good game at some periods in my life.  

I think I paid $1250 in interest. i can do that HELCO again and again at the current interest rate and deduct it.I am constantly told I'm an idiot - and don't know what I'm talking about - when I plead with people to try to not do the 401k loan due to the federal/state consequences.and @Brian Eastman is correct - it's pretty much hard $/loan shark type of lending.