Refinanceing spurred sub-prime crisis (from L.A. times business)

This topic is talking about some people who live in America use the refinancing to pay their payments. But many people got trouble from this because their debt become doubled. Then, the lender began to threaten foreclosure. What got them into trouble is that they refinanced their mortgages without clearly and understanding the terms. Also without realizing that the sales advertisement and loan documents were sometimes deliberately unclear to trap the unwary.
Sales just want to lend money to their customers.
For business achievement, they donot care the customer's situation is too risky that cannot afford the payment. Even they use the "hard sell". In Taiwan, I can see some young people donot care about the refinance will ruin their future and they still enjoy to use that. This will become worse and worse because the monthly payment will increase. Finally, not only their credit is broken, also their parents are involved. The government should have responsibillity to tell the society the truth and control it.