[AndyYSCISOdept]

Lenders will follow the money and as long as stacking is a profitable activity, many lenders will continue to do it. Trying to "improve the culture" is a noble goal but it's not realistic.

I think that's exactly the problem. People give up attempting to change the industry and its messed up practices because it's to hard and it continues to be profitable. The issue i have is this, when does something that is profitable become a toxic idea that we should ALL walk away from? I think that answer has arrived in the form of "stacking madness" we have created a monster that will be, admittedly, difficult to put back iin the box. But does that mean that it isnt worth the effort?