committment to who?
the bank? they no longer own the promissory note.
The mortgage holder? Nobody knows who that is AND due to the faulty documentation then that mortgage is possibly voidable.
The plaintiff? they can’t prove they own any secured interest in anything. At best, they have an UNSECURED debt IF and only IF they can prove they actually own the promissory note by documenting each and every individual transfer.
Otherwise, regardless of people’s personal opinions, there is no enforceable debt seecured or unsecured.
Who is responsible for private debt essentially becoming public debt and for there being no consequences to foreclosure? That's insane, and especially for us law abiding citizens.
Forgetting about the law for a moment, what about common sense?