On the left hand, banks have the homeowner's interest (mortgage interest, that is) at heart, and you can take that to the, well, the bank. The continuous acts of creative dishonesty being perpetrated by the algorithmic financial wizards and their minions, together with their stable of cronies and lobbyists corrupting the government clearly are doing the best job that they are capable of doing.
On the right hand, there is no free lunch, and that includes, ironically, even in a free marketplace. The U.S. has the best capitalists in the world and we should be thankful that our Schools of Business keep turning out top notch wealth creators.
All hands now: Take with your left, Pocket with your right.