I was one of those people who got a 30 year fixed loan back in the day when I could’ve got a 5 year ARM and “saved” a boat load of money a month. But I can be a conservative person and I suspected in the long run I’d be safer with a 30 year fixed. Now let me just say here that I truly find this housing crisis tragic. Reading the stories of how people got taken advantage of is heart breaking. I’m not talking about that. What I’m talking about is the gamblers. So you know where I’m going with this for the Friday Question of the Day – Who should the government bail out from the housing crisis? Banks, borrowers or both? Or neither?