I totally agree that you get slapped in the face many times! You have a vehicle worth too much, your property is worth too much. What does that have to do with the fact that you are going to lose everything you have because you just lost your job, or your spouse walked away and left you in debt up to your eyeballs. There has to be a better way especially I believe with medical, how can you be denied medical when it is a necessity, we are not talking about the common cold, You can get a free abortion to kill a child but have trouble getting a transplant that will save a life!!! What can be done to help change these tragedies!! There are many aspects that do work but there are far to many that don't!