Dave Ramsey on the $700 billion question

Trying to figure out who to listen to about this $700 billion "buyout" is difficult. Experts seem to disagree. The financial system is very complex and way beyond my knowledge. I read this article by Dave Ramsey, who I trust. I'm definitely coming to the conclusion that the government should not spend the money to buyout the poor mortgage lending practices of banks. Check it out at http://www.daveramsey.com/etc/fed_bailout/economic_cleanup_10887.htmlc.