Again, you are saying the bank is responsible for doing simple math for people. Sorry. I don’t agree.
Here’s how simple it is:
I have $x amount of gross income with $x amount of expenses. Subtract expenses from income to get total net income. If that is enough to cover your loan payment and you have enough in reserve to cover you in the event of catastrophy you can take out the loan.
A 5th grader can do that math and your saying its the banks fault the consumer went beyond his/her means? wow