Reverse mortgages are just a scheme to steal equity from the elderly and their heirs. No more loans to people with bad credit. No more loans to people with no down payment. No more bonuses to executives working for organizations that make these poor business decisions - in fact the execs should be held personally liable for the losses. No more bailouts for banks, for unions, for auto companies, for people who should never have applied for a loan, no more taxpayer money to subsidize stupidity.