* HarsherInHindsight: When Lauren was trying to get a mortgage, the banker serving her told she doesn't qualify with her income and should try to find something more suitable for a teacher. He's painted as a bad guy and an ObstructiveBureaucrat. Then we roll to 2007 financial crisis. One of its main causes? People having mortgages they couldn't afford, given to them by those banks that didn't really care about credibility of their customers.