You have a very convenient definition of on-topic. You've narrowed the scope from 'americans should be financially irresponsible because the government will always bail them out' to 'I had to put 20% down on my house'. It's almost funny.

It probably would be funny, except that I'm now in a bad mood because some other poster just compared me to a rapist for defending advertising, so I can't laugh at what an incredibly dishonest piece of shit you are.

And make no mistake, that sort of goalpost moving is just dishonesty... it's just you admitting that you're a fucking liar.

Also, if you were a Swiss Citizen, you would be able to play the game by betting your pension against the house, instead of using cash. The cash requirement exists for you because you are an outsider and thus less trustworthy.