How is it my fault if you live in the casino?
I think it's your portrayal of the mortgage system as a casino, and therefore borrowers as flippant gamblers that caused offence. Particularly when you use phrases like "The wasters who bet against prudence and diligence are whining... "

Most responsible borrowers over here fix their rates but you'll be lucky to find a term of more than 5 years. There are a very few ten year deals around but at higher rates because the bank, understandably, wants to hedge their risk. So what are you suggesting a borrower do?