[Rick Lee]

But people who stop paying DO lose their homes. That's already the rule and it happens every day. It's just that there are so many of them now that it takes banks maybe 12-18 mos. to get around to foreclosing. Who do you suggest should make it go faster? Hey, I'm all in favor people facing consequences too. But would you rather have a house in your neighborhood occupied by deadbeats who are otherwise decent neighbors, cut their grass, keep the place up, etc., or have it sit vacant until the banks get around to doing something?