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Without question it is. but does that mean you should just exclude anybody simply because they don't have a wealthy mom and dad or do you create rules that say look, we're going to make it tougher on you, but there are some people within that margin that can get access to home ownership. john: why is government even in this business? >> why is -- john: we used to have private banks that had their own money at risk, and they were much smarter about knowing ed's a big risk but david is not. and then if they were wrong, they lost their own money. >> we need to make certain we put policies in plac...

Without question it is. but does that mean you should just exclude anybody simply because they don't have a wealthy mom and dad or do you create rules that say look, we're going to make it tougher on you, but there are some people within that margin that can get access to home ownership. john: why is government even in this business? >> why is -- john: we used to have private banks that had their own money at risk, and they were much smarter about knowing ed's a big risk but david is not. and then if they were wrong, they lost their own money. >> we need to make certain we put policies in plac...