Two million mortgagees either chose or were sold this Ponzi/Madoff form of skullduggery, believing that home prices never go down and that shoppers never drop.

• 两百万抵押人或选择被动购买庞氏即麦道夫形式的欺诈手段，并被蛊惑相信房价永不会跌，购房人永不会少。