Bradley Anderson (letters September 13, 2015) offers a different take on the Obama legacy, but in his recap, omitted the most egregious of Obama’s many faults. Upon his original election, Obama was handed the ball on the mortgage crisis whereupon he dropped it with a resounding thud and never recovered, as evidenced by the midterms. In 2008, millions of Americans were under actual financial attack by the country’s banks. Financial institutions that had peddled millions of subprime mortgages and then profited greatly by packaging them as securities, were now foreclosing on those very homeowners who were caught short by the housing meltdown. Obama, through his power of presidential fiat, plus the Fed’s influence over the commercial banks, could have engineered a total moratorium on foreclosures, saving millions of ordinary Americans from financial ruin. The financial industry, meanwhile, should have been left to work out a solution to the problems they, themselves, had caused. Obama could have done something meaningful and timely for the country, but he did not. We will never know how the recession would have shaped up if there had been a moratorium. We’ll never know, but neither will we forget.