Oh...okay.
Mortgages are purely financial transactions. Mortgages are a business transaction, not one of morality. The sooner you get off your high-horse and understand it is business the better. If it were a moral transaction there would be no need for the mounting pages of signed business and legal documents. What happens when a person defaults on the mortgage is clearly spelled out in those documents. There is no emotion to it. To you, sure, but not to the busineses involved, and it is obvious you do not understand the nature of business.