Why Does The US Need A Consumer Czar?

"Now there is to be a "Czar" in Washington who will protect people from unscrupulous lenders. This is in fact a new kind of crime. The idea that one can be the victim while being lavished with money is a bit bizarre. Sure, there are always usurious, mafia-type lenders on the outskirts of the private sector, but we were not aware that the average mortgage company broke your legs if you didn't pay up."