The problem with saying they should simply sell the more expensive house & buy a cheaper one is some people are so far underwater they don't have the cash to make up the difference between what it sells for today versus what was paid for it.
And, in that situation, if you don't have that liquid cash you're screwed.
You beat me by mere seconds.!
Great minds and all..
:0)
AND selling in a very stale market is not what the author pretends to be so easy a solution.