Open letter to failed financial institutions...

Dear FFIs,

Hey, it's me. Remember me? I'm that Fine Art major. You remember, the chronically under employed one who is always late on her payments? We've talked on the phone quite a bit. Usually the calls went something like this:

You: Hey, you owe us a bunch of money.
Me: Yeah, you and every other bank in America.
You: Ha, but seriously, how are you going to pay us back.
Me: Uhm...slowly?
You: Not good enough, we want it now or we're going to ruin your credit forever.
Me: So?
You: So that is really going to mess up your life.
Me: So says you.
You: No, really, give us our money.
Me: If I had it, you'd be the first one I'd give it to, after paying my mortgage, my utility bills, my grocery bill and the six other lending institutions in line ahead of you.
You: Aren't there sacrifices you can make? What if you cancel your cable?
Me: Don't own a television.
You: Uh...what about borrowing against your car?
Me: Yeah, I can't afford to pay you, and all you do is harass me at odd hours. If I borrow against my car and then can't pay them...because like I said, I can't pay you, then I don't have a car. That would seriously limit the amount of pizza I could deliver if I get that desperate.
You: Did we mention that we'll ruin your credit?
Me: Once or twice....look how about I call you back in 6o years when I have some extra cash?
You: But...but...but...
Me: Click.

Yeah, that chick. That was me! So anyway, I just wanted to say, welcome to the bottom. Also, you're welcome, since, although I couldn't afford to pay you, I do manage to pay my taxes, so part of that big check you're getting with all the zeros? That came from me. I'll be expecting repayment promptly, and if you're just one day late, I'm going to double the interest rate. Also, I'll need your home phone number so that I can call you during dinner and first thing in the morning.

Ragnar...I've been on the bottom so long, it's starting to look like the top.