WHAT IS THIS I DONT EVEN Read it and weep, then discuss. It’s an account of the criminality in the subprime mess: don’t you even try to blame the borrowers. The lenders would get a signature on some innocuous form and then forge that on a variable-rate mortgage with all its attendant papers. Not just once, but often. Federal regulators let all this slide because they were either understaffed, shifted to other departments, or co-opted by their bosses hired from the financial world.