It’s because we do not have much of a foreclosure problem, and most fraud now is the dark froth from foreclosures and the national economic maelstrom.

We do not have to admit powerlessness over addiction to appreciation and the sordidness of fraudulent house flipping, scheming and falsifying documents that it takes to make a quick buck, that our lending had become unmanageable — because we didn’t and it didn’t.

Most of us have not come to believe that a power greater than ourselves called the federal government can restore us to mortgage sanity.

Most of us do, of course, think it wise to turn our will and our lives over to the care of God as we understand God — but most of us, frankly, do not need to make a searching and fearless moral inventory of our homebuying and home-selling selves.

Yes, a few of us are social fraudsters — meaning, hey, there are rats on every ship, a few bad apples in every barrel, hey, some of us can become greedy.

But, as a whole, we did not get drunk on the housing bubbly, so when the housing bubbles burst we didn’t wake up from a blackout and wonder what happened.