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Originally Posted by Stop It
Advertising is well, supposed to lure people in, you wouldnt see an atkins diet ad saying "well weight watches is proven to be easier to stick to, and more effective" would you? the point of advertising is to get people interested, not to scare people off 
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You forgot to mention all those credit ads that don't mention that although they do lower your monthly payments, you end up with a loan term so long your grandchildren's grandchildren are still paying it off. Or some where you use your house as collateral, end up paying 300% interest, losing your house, family, friends and the use of your knees and/or legs. And still having to pay back 300% more than you took out.