Lenders: Are you still lending for home mortgages, cars, etc?

Laissez-Faire Guy asked:


Supposedly we are being told the bailout is to unclog the system that is clogged up with bad debt.

So my question to you is, if I came before you asking for a home or car loan, and I can prove I have necessary income and my credit history is good, can you write me a loan at reasonable terms?

Because if you can, then why do we need a bailout? The money is obviously still there to lend.

WILFREDO