Easy Money at The Bank?

'Easy Money' available at Chevy Chase Bank in Silver Spring, MD

In those nifty blue 'Smart Home Loans. Smart Home' brochures there is one line:

"Your're in Contol. Pay interest only on the amount borrowed*."

* Payment of interest only will result in a balloon payment at maturity. [this was written on the back side of the brochure in small print]

Are you really in control? H*ll no, at maturity you are at the mercy of current interest rates as the fixed interest only period last for two years.

Are there any banks out there that are more responsible? Banks that don't promote all this 'easy money' and 'debt is freedom' mentality?

To bad I have some of my money at Chevy Chase Bank.