This tax rebate scheme sounds like giving a free hit to a junkie

[catmandu57]

Because the dealer feels sorry for the poor fool standing there shaking and shivering, drooling snot and bodily fluids every where, begging for just a little taste.
The amerikan consumer is a junkie, a credit junkie with no thought of tomorrow, they just have to have another dollar to spend NOW. With refinancing, rolling over mortages dead and gone and jawbone george* is the friendly neighborhood pusher with the fix.
It's time to get off the damn sauce, say no thank you and get into rehab for real.