Give me a figure for the percentage of times this happened and the people didn’t owe the money. That’s the only case of theft. Otherwise, I can’t help you understand that, as much as media reports (and you) try to make it sound like a massive rip-off and people being deprived of their homes for no reason, it just isn’t the case in the vast majority of foreclosures. I’m not excusing it. I’m defining it accurately.