Tim, "Isn't that fraud?"
Bob, "Yes, but let's be gentlemen and call it mis-selling. Here, have an austerity cookie and a pat on the head."
Tim, "Nevermind my bankrupted municipality, crappy services (as there is little money left to pay for them), rising property taxes and rent (renters pay property taxes one step removed), or my being laid off from my job. I've got a cookie! Fuck ya!"