Bank of America Starts Mortgage Reduction Effort - Yahoo! Finance This is some BS right here. So basically, we are now rewarding the dumb more then ever. So basically, you are stupid enough to think that you could afford a $500,000 house on your $30,000 a year salary and because of that, the bank is going to give you an average of $150,000 back? WTF is going on in this world? So let me get this straight. The bank messes up and gets bailed out by the governement. Then the dumb asses now get bailed out by the banks? WTF? I am now officially convinced that hard work and being intelligent is useless in our society.