I was reading this article, and thinking about how a lot of the time, we try to be punitive without thinking about how the fabric of communities will be affected. We say 'well, the people in foreclosure just bought too much house' without thinking of the problem of empty houses[which can bred crime] and displaced families[not very good for the education of kids]. Putting folks in jail and locking up the key is also not good for a community. The disruptions in the lives of families can cause stresses that aren't very good for anyone.