While this is just a prejudice and their financial engineering _may_ be totally sound, this makes me think of CDOs and the mortgage crisis and all that.
The fact that the deal may not actually be all that good for the consumer -- and may complicate sales of their house since it's effectively a lien forcing future buyers to take a deal which may be _more apparent as bad_ in the future -- only makes me again think of the financial hijinx that led to the mortgage bubble/crisis.
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