A lot of the customers that build these million dollar homes are doing the credit juggling act themselves, they have to wait for a payday or a loan to get approved. That doesn't make it right, the home builder when pinched for cash will pay his most important sub trades and make the others wait. This is all a symptom of an economy where people are overstretching themselves financially. The real victims are the minimum wage labourers and sub trades that get shafted by the contractors when they don't pay. These people don't have lines of credits to fall back on and it causes chaos in their lives. A lot of people in the trades don't want to do any work unless they get a large chunk upfront.