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It was just proven that business DOES NOT police itself...
What an ideal scenario for another huge economic disaster. You won't even be able to find anybody responsible. Sorry, your mortgage is 'in the cloud' and we have no direct way to find who sold it to whom. - but you don't own that property any more,sorry!

-Or simply, Your bank lost all your money in a cloud transaction. They are bankrupt - and so are you! Meanwhile the money is simply in someone else's cloud system out of reach and out of regulation.