I wrote this and sent it to my representative in an email

Anyone who agrees with this is welcome to cut and paste whatever they like from it and send it along

Dear Representative ,

Please do not use my tax dollars to assist irresponsible borrowers and lenders. I am convinced that forcing me to pay the mortgages of complete strangers is wrong and un-American.

I believe that adults are responsible for the decisions they make, including financial decisions. When adults profit from the sale of a house they shouldn't be forced to divide the profits amongst all the citizens. Likewise, when adults lose money in financial transactions be it the stock market, real estate market, or faulty sewing in their pocket lining, the losses shouldn't be backed by taxpayers either.

The recent real estate boom gave rise to many unethical tactics in the lending industry. Those who passed off these devious financial products onto the public deserve to have their efforts corrected by the market. If you send my tax money to the banks and other lenders that partook in these schemes you will be rewarding and encouraging their unscrupolous methods. You will ensure that they stay in busineses to further perpetuate their immoral activities.

You would be acting against my will and that would make me feel angry and less free. Many people share my opinion and some of them vote.

I'm oppossed to helping those irresponsible lenders for two reasons. Philosophically speaking this brings the government closer to Communism and farther away from Capitalism. Practically speaking the market will price any bailout into future transactions. Not only will the architects of this disaster stay in buisness but they will be emboldened to add further risk to their portfolio because they know that the taxpayers will be left to pick up the tab when things go badly.

Private profit taking and communal loss sharing is not the system that I want to live under.

I feel empathy for the homeowners that didn't read the fine print and are caught in the middle. I would be happy to assist them in private if every one of my dollars wasn't already on its way to the oil companies and the credit industry.

Forcing me to give you money so that you can give it to these irresponsible strangers is wrong and I'm asking you not to do it.

Thank you,