Scandal of luring first-time buyers | Alice Miles - Times Online property speculating and huge consumer debt etc. are correct, but they are a symptonunable to get credit and manage their debt in a fashion they have become used toprotect many current over-mortgaged, debt-laden households from foreclosure andover the biggest growth in consumer debt (and let's not forget a doubling ofnecessary because the banks have so much baddebt that they need to recoup their losseswith you that our government has got management of house-price inflation badly wrong http://www.timesonline.co.uk/tol/comment/columnists/alice_miles/article3768099.ece

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