In most cases, a lender has more expertise and experience in credit transactions than the borrower. Do the rules of contracts and mortgages allow the mortgagee Oender) too much protection at the expense of the mortgagor (borrower)? Should the lender bear some responsibility for a decision to lend that turns out to be a bad one? Does it matter that the mortgage is a high ratio or subprime mortgage and the borrower has been enticed and persuaded by the lender to borrow the money?