There is a point where buying becomes so demonstrably more costly than renting that you have to give up. That point is close to 30 years.
But if a bank can have cash flow, during times of failure, than they can buy time to reorganize assets.
It isn't hard. It is how we as the populous live every month. We as the populous, when times are hard, find ways to secure cash flow. The banks don't. They are rigid. They are like a retarded bull. A stupid retarded bull. They only bend the rules for gravy.