Give the banks more money, buy more insuance, buy less insurance banks need bailed out. don't you get it? banks only abuse you because you give them your rainy day funds. when you take out a morgage you are borrowing your own money. insurance premiums are the banks capital. the interest provides the banks with an income. you have a 20-30 year morgage because that is how long it takes the bank to collect it from you. the only thing banks are afraid of is an insurance boycott. what are you more afraid of? being without insuance or money? read full review »