My Mortgage is Too High

So this was the ad I was subjected to when checking my email this morning. I question what the marketing genius who thought this would be a great ad was thinking. The best I can figure is that they are banking on the idea that I want to click the ad just to make the scary woman's face go away. This is what kind of model you get when they allow Sims characters to start using crack. Or the artists that create these kinds of heads. Not sure which.