All of the people who are taking advantage of these things when they don't need it at all are causing great harm to our markets, one way or another. If it's all "forgiven" at the end, or just tacked onto the end of the loan, then that's a fat load of shit and terrible for all the honest people who kept paying. If it's not forgiven and they are expected to come up with large amounts all at once, that will also send markets into a tailspin. I don't really have an issue with people doing these things when they really needed the help and it was a situation out of their control. But MANY people are basically just not paying and socking away the money instead... I'll admit I won't be sad if those types of people get what's coming to them.