How well do you think you will fair in such a system? Will you be a thief or a victim?
All contracts have a moral aspect. This moral dimension is eroding more and more each year including for the marriage contract. Americans used to be moral and upright enough to where verbal contracts sealed with a handshake used to be sufficient most of the time
Fraudulent contracts are illegal. It is interesting that you mention mortgagees because a lot of today’s mortgages written during the real estate bubble from 2001-2007 were most certainly fraudulent. Judges are kicking banks out of the courts these days the mortgage papers are so sloppy and fraudulent. Homeowners are being awarded the house because the bank cannot legally foreclose
Sloppy sloppy sloppy during the bubble years with secretaries signing instead of bank officers and with sliced diced mortgages with no clear chain of custody