Republicans, of course, do the whole fear thing very well. Democrats cannot hope to ever stoke the public's fear as effectively as Republicans. But this week it was on display more than usual, because there are still 14 Republicans running for their party's presidential nomination.
I propose the creation of a new banking industry initiative called NOBAR (Nonstandard Borrowers Alternative Resource). Its mission is to help responsible individuals with bad credit scores -- where reasonable and appropriate -- secure a new mortgage or refi.