Will they be held accountable legally and financially?
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They’re a protected species like sea turtles... They will lose the house , not get any money (obviously) , they will be arrested but they will get a GENEROUS plea deal , the insurance company will drop any civil action as they avoided cutting the check ... in the end they’ll do minimal time in a minimum security prison , while in prison they’ll file bankruptcy and they’ll be out in a year or two at most. When they get out they will be “helped” re-enter the workforce and society thanks to your generous tax donations.
LOVE your screen name!!!!!!!!