Thirty-Year Mortgages = Mortgage Rape?

``Bloomberg had managed to find an anecdotal account of a U.S. homeowner who had actually shortened the term of their mortgage... but in the real world, for every U.S. homeowner shortening the length of their mortgage there are ten other mortgage-holders (twenty? one hundred?) increasing the length of their mortgage. Indeed the favorite "mortgage modification" being offered by the banksters to homeowners on the verge of foreclosure is to dupe them into refinancing over a longer term.''