Again, that's not really the point.
One way to "solve" these problems would be to outlaw mortgages entirely -- is that a solution you would support? "Solutions" like this one are just about as bad as that and heading in the direction of destruction of the lending industry.
That's the point.
I would not support banning mortgages, but I would most definitely support getting the Federal Reserve and the Federal lending agencies like Fannie Mae and Freddie Mac out of the lending business. Let the banks go back to lending out only the money they have on hand instead of lending out money that the government just creates out of thin air. That would help.
As to my feelings for the banking industry? Just because they may be doing something that is legal does not mean that they are doing what is right.
If they were doing the right things I’d not be worried about them and we’d not be having this conversation.