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I am not sure that I follow your logic? "We can easily do without mortgage" How would you like people to purchase homes? As far as the cost of a mortgage going up is simple, by only have a few companies doing loans what prevents them from increasing their costs they will no longer have any competition. When is the last time you have heard of a company that has less competition decreasing their costs? As far as on people being dis-satisfied with their loan yes some people were given loans that were bad, but when did we stop taking responsibility for our actions. I have a mortgage and you know what I read the paper work to make sure it was a loan that I wanted. It's easy to say no I want a fixed rate loan. Take responsability for your actions, it's not the goverments responsibility to make your decisions. I also welcome the changes just do not destroy the industry.
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