Go into any appliance store in America and look for a toaster with a one-in-five chance of exploding. You won’t find one. But at any mortgage brokerage in the country it has been possible to purchase a loan with a one-in-five foreclosure rate, and the broker doesn’t even have to tell you the odds. Why the difference? Toasters—like every product you touch or taste—are tested for safety. When a baby stroller or an eyeliner is discovered to be dangerous, it is removed from the shelves. Yet financial products go unmonitored for basic safety. When shopping in the complex and…