Please answer the below and submit in a word document. Be careful, make sure to avoid plagiarism and to use quotation marks and proper citation as required. Length should be 500 words and double-spaced. Use APA format for citations and the required References page. Remember that the significant portion of your analysis should be in your own words. 

Are subprime loans an unethical financial instrument? Or are they ethical, but misused in a way that creates ethical issues? Elaborate in your response.