Do I Share in the Risk if Things Go Bad?

Finance is all built around risk right? And taking risk should earn you a good return. It's just about the way that debt is making the wrong people bear the risk. These kinds of financial products would help the rich benefit when times are good, and they would pay the cost when times are bad. The same thing works with borrowing to buy a home. If mortgages were an equity instrument rather than pure debt, what you owe each month would fluctuate. But if you sell your home at a big profit, the lender gets a cut of the upside. So things go well, the lender makes out better. If things go badly, the lender loses. That's exactly what we want...