Help I am Addicted to Gambling, But Want a House

As we all know we are in the midst of a huge credit crisis and the main reason this has been caused is because of the banks. Over the last five years banks were giving mortgages to families and individuals that just could not afford them and missing payments. This has all led to the banks crashing and businesses that relied on them failing as well.

I have always had a motto that if you cannot afford something then you should not buy it, why are people getting out huge mortgages that they cannot afford the repayment for? I mean lending huge amounts of money. So this is ultimatley why banks need to sit down and think about who they give their cash too.

I have listed down a few situations where the banks definitely should not be lending out.
1) People that are on low income, what the banks are forgetting, is that people do not just have their mortgage to pay. They have travel costs, food costs, bills and much more that have to be taken into account. So someone that is earning 30k in my view should not be borrowing huge amounts for a home.
2) How long have they been in their work place? There are a huge amount of people in the world that just hate working and end up getting sacked from every job they get. These people then make up their minds to look for a job after a year and as soon as they find one they think they are rich and rush out to get a mortgage and other financial commitments. And in a truth, no one can be bothered to tell these people any different, rather the opposite actually, as what the banks do is just hand over the money.
3) One of the more imprtant aspects that the bank should look at is the obsessive habits people have. How many times have gambling addicts got given a mortgage and car and then blow there monthly repayments on playing online poker or roulette. Addicts can not control themselves, so lending them money is a very bad idea.

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