[Nervous Tick]

>> With that said where is forgiveness and how do we let people turn their lives around by getting a good job, if they have truly changed?

Forgiveness for one’s actions, and enduring the consequences of one’s actions, are different concepts.

[newzjunkey]

So "enduring the consequence" of bad credit from losing a home because you lost your job and couldn't get a new one, part age and part bad economy, is to remain jobless and become destitute and dependent on government?

I have to ask because I know someone in exactly that situation.

Yeah, that thinking will make things better for everyone.