Except you're arguing the opposite. You're saying that people scamming the system should be rewarded, and those sacrificing to keep their homes should pay for the scammers.
You're basically saying that the little old lady making her monthly payments should be screwed, and lose her home value, while the scamming neighbors get endless delays, and continue to squat in a home they don't own.
How about a system where there's clarity, and clear pathways for all parties involved? A fair system, where consumers know what's expected of them, and where they can turn to in case they run into trouble.
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