I am part of the problem (tee hee)

I read the other day that part of the reason credit is so tight is that banks are undercapitalized. They are required to have a certain amount of reserve capital for the amount of money they can loan out. They are undercaptialized because their assets have taken a huge hit from the decline in housing prices and from people like me who are paying their houses off early. Yea!! I think it is about time people shed off their shackles to the banks and live free!!