Breeze, are you taking into consideration that it is not the upside down borrowers fault that tax payers are picking up the slack? Should they be masochistic because the remedies offered offend some of us, including myself? They are not victims but whether they see themselves as that or not, very few of us are going to look that proverbial gift horse in the eye if in their shoes.It would definitely come down to a cost benefit analysis once the damage was done. They always had the right to walk by contract . There were various consequences but those are the basics. If there are better choices that were not originally in the contract that isn’t their fault.