I business it is important what you measure because it will drive the results that you get, and the behaviors of people to achieve the measurements. A failing in government for a long time has been the key metric of the number of home owners. By simply pushing to have more home owners as a measure of success people made all sorts of bad decisions to boost up the number of home owners resulting in lending practices that cannot be sustained. Lending policies back in the day were based on actuarial analysis, not on political fairness. The change resulted in the mess we are dealing with today. Unfortunately the fixes are being made by the same political fairness guys, not the people who understand the boundaries of sustainable loan policy.