So, if I buy things that aren't worth what I pay for them and stop paying my bills because I'm too stupid to understand the concept of a budget and living within my means you'll cut me a break?  Really?  Is that the best thing to demonstrate to deadbeats everywhere Bank of America?
I'm referring to this article:  http://finance.yahoo.com/news/bank-of-america-offers-principal-reductions-to-200-000-homeowners.html
 
I make my payments on time, hell, I'm ahead of schedule - you should cut ME a break.  But no, instead, people like me get punished for the irresponsible behaviors of other borrowers.  Please Darwin, help us out.