"One-half of 1,000 people polled admitted they are not responsible with their finances."

All right, that's not quite what the article claims, but it's close.

Half of the more than 1,000 borrowers surveyed by the National Foundation for Credit Counseling said they would never be able to afford the 20% down payment required under the qualified residential mortgage structure.

Isn't this a signal that for people who are extended loans, too many will subsequently find themselves having trouble repaying due to their irresponsible budgeting practices?

The nonsense comes later in a quote from the National Foundation for Credit Counseling.

"Although renting has many advantages, it may not stimulate the economy as much as an uptick in the housing market world, as renters do not typically spend as much on home improvements, lawn equipment, appliances, or other areas, which would lead to job growth," according to the NFCC.

No, they probably won't, but spending is not exogenous. If I currently rent I may indeed spend my money on fast cars and entertainment rather than on home improvements and lawn equipment. But once I purchase a home and become a homeowner, I may indeed shift my purchases from fast cars and entertainment (i.e., spending in those sectors declines) to home improvements and lawn equipment (i.e., spending in those sectors increases). But there is no net increase in economic activity as my spending on home improvements and lawn equipment is paid for by my decrease in spending on fast cars and entertainment.