I think you may be onto something there. It’s not walking away from your house. It’s divorcing your mortgage lender for irreconcilable differences. Your lender keeps the house. You keep the contents. The lender doesn’t get housal (how-sul) support.
Could also be viewed as aborting an “unplanned” expense. An “owner’s choice” kind of issue. A private matter that society has no business interfering with!