MIAMI — Q: Ira, no one would advise anyone to try and purchase a car or house with bad credit. The results usually are financial ruin. The NBA with the new CBA, has made draft picks the new credit score. The Heat's credit rating is below subprime. What I and other well informed Heat loyalists were hoping from our General (Pat Riley) was a new bold battle plan, one with the same vision he displayed in the past of trading for free agents and eventually (with the help of a dynamic draft pick Dwyane Wade) attracting the right stars to get us the three titles. As I have written you before, I know the game has changed but it seems the Heat don't realize this. It's been sties established Jahlil Okafor and Justise Winslow were overvalued in the draft. With that said, teams without LeBron James and the Warriors roster have to do their star evaluations from the draft. This is how we missed out on Devin Booker. The Patriots go to slot receivers and tight ends years before other NFL teams catch on. I was praying the Heat would innovate and not be a one-trick pony. It would've been seen as bold in two years to dump Dion Waiters/Wayne Ellington, etc., for second-round picks well before the trade deadline, after that acquiring Lonzo Ball and other young stars to build around Goran Dragic (not Hassan Whiteside), James Johnson and our Biscayne Babies. We are going into the 2017 offseason with no All-Star talent, no picks after this year, a $19 million cap hit in 2018 for Tyler Johnson, an aging point guard, our highest-paid player in Whiteside who needs constant counseling and no hope to get a star free agent. When are we going to start being honest with the Heat's situation? -- Marcus, Washington.