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Indeed, banks mortgaged properties to people at high-risk of being unable to pay, especially with escalating interest terms. Tossing them out means the banks get zero income from their properties, increased maintenance costs, and more often than not, the state gets to pick up the cost of emergency housing for the evictees. Somehow a contract formula for using the properties they bought so they could live in and care for them at a reduced rate for a defined term would make more sense and humanity. Current practice makes no sense for anybody!