This step sounds like common sense, but unfortunately, as some loan originators pushed off more and more of the risk to investors, they made increasingly riskier loans to people who simply could not afford them.
This applies  1  This is partly due to varying definitions of infrastructure and the high level of subjectivity involved in assessing "need." The Government of Ontario, for example, estimates that the cost of correcting past underinvestment and of building the public facilities that the province needs to accommodate future growth may exceed $ billion.