[quote briansd1]
Not so fast… my 80+ yo dad knows how to spend money very well, especially when he travels and takes the ladies out. He’s spending my inheritance, damn it!
[/quote]
Your inheritance is what is left over.. he earned it, you didn’t. You get to spend what you make. If you get inheritance or ‘gifts’.. consider it extra.

a decent bankruptcy would let these people have a future.

They declared bankruptcy several times, only to withdraw the bankruptcy. I suspect they were using this to delay the foreclosure process.

a decent society would let these people cram it down and screw the shylocks not some losers in reno.

And just who would absorb that cram-down? People who acted responsibly with their money? Its gotta come from somewhere! The true ‘shylocks’ were the brokers that hot-potato’d the mortgage and made sure that the got their commission. The holders of the note got screwed because they fronted the cash and only got a percentage back.