Eh Bobert, I do take it that you did read through that post of yours before hitting the "Submit" button.

Your system and your example are so full of holes I'm stuck at just where to start.

"Home Mortgage Corp" - Government sponsored "Fanny Mae" and "Freddy Mac" - A rose by any other name would sell as sweet. They f*****g well collapsed the market Bobert NOT WALL St. And they did it by giving people loans who shouldn't have had them in the first place, they wouldn't have been able to pay their mortgages anyway, oh by the bye what were the reasons and situation behind your Acme Mortgage (Wall street) doubling Charlies mortgage repayments?? You didn't go into that. It's not done on a whim, it normally only happens when something is done by the central banks to the basic interest rate, a thing that Governments are closely involved with.

Another question for your example Bobert why did Acme Mortgage foreclose? They would have other options open to them that would have equally kept Charlie in his house and Acme Mortgage in pocket.