Indeed (sans “Heh”). It’s either too much or too little, and always too late.
Update: And speaking of “getting it” (or not), CNN the other day had a poll on “Who do you blame for the mortgage meltdown?”
13% of respondents said the government.
Apparently President Bush was out there forging signatures on paperwork for all those people who didn’t bother to understand their mortgage or read the fine print, and he also was the loan officer for those mortgage companies dumb enough to give a $250,000 loan to someone making $10 an hour with no other income.