premise: um-hum right uh-huh Lo Mas yeah yeah we we are now it's like we are partly responsible for their problems by loaning them all that money that was really stupid on our part to even loan it to them you don't loan money to people like that i mean if you feel like you need to give them something to help them out fine but you don't go making billions of dollars of loans in to people that you can just look at the situation and yeah and know that they are not going to be capable of paying us back and
hypothesis: The loans were a bad idea because a significant majority were not paid back.