There are two sides to a mortgage transaction: the debtor and the saver, who is too often forgotten in the rush to bail out debtors, explained Temple economist Bill Dunkelberg in his Inquirer column "Small Matters." If the debtor doesn't repay some or all of the money owed, the saver loses, dollar for dollar. "Savers are important to our economy. We should be careful not to discourage them," he wrote.