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If your an institution holding one of these pieces of paper (pension fund) and you can't trade that piece of paper it becomes valueless. If you need to raise cash to operate you have to sell other assets that are good to keep afloat. This problem has come close to seizing the financial system up all together. Effecting everyone and everything not only the poor schmuck with the home loan and institution that holds the paper.

Lenders and Banks don't hold this paper they bundle the loans and sell it as commercial paper to....virtually everybody...Hedge funds Indivduals , Pension Funds, Corporations, Banks, Foreign Entities etc.