Today, I don't want to talk about bailouts. Some of you have a pretty good idea where I stand on them.

I want to talk about what's led us to this point. Not duplicitous lenders, more than a few of them, but clearly not so discerning borrowers, a lot more than a few of them. So many people who clearly didn't read or appreciate the magnitude of what they were getting into.

What's amazing to me is a lot of them are the same people, who when shopping for a TV, no doubt compare brands, makes and models, but do barley any homework on likely the biggest purchase of their lives.

I know, no one reads the fine print when they pick up a bottle of Tylenol. But you'd think they'd give it a passing glance when they pick up a whopper of a mortgage.

Some are bored by such things. Others are intimidated by such things. But yet they think nothing of looking for buys on the Internet and shopping for the best deals in the mall.

I guess it goes back to that old line, if it sounds too good to be true, it probably is. The real killer? It probably says just that in the paperwork too. If only they had taken the time to read it.

Watch Neil Cavuto weekdays at 4 p.m. ET on "Your World with Cavuto" and send your comments to cavuto@foxnews.com

Neil Cavuto serves as senior vice president, anchor and managing editor for both FOX News Channel (FNC) and FOX Business Network (FBN). He is anchor of FNC's Your World with Cavuto - the number one rated cable news program for the 4 p.m. timeslot - as well as the FNC Saturday show Cavuto on Business. He also hosts Cavuto on FBN weeknights at 8 p.m. In addition to anchoring daily programs and breaking news specials on FNC and FBN, Cavuto oversees business news content for both networks and FNC's weekend business shows, including Bulls & Bears, Forbes on Fox, and Cashin' In. Click here for more on Neil Cavuto.