flu, an individual with $110K just two years after a SS either recently won the lottery, recently inherited the money, or MUCH more likely, always had some of it, by putting it under a mattress while pleading poor to their lender-creditors so their SS would be approved and subsequently, their debt forgiven.
As a “worker-bee,” unless they landed at high-paying job immediately after their SS and had virtually zero living expenses since then, I don’t see how one could “save up” $110K whilst being “indigent enough” to show and tell their trust-deed holder(s) at the time of SS approval that they could neither pay their mortgage payment OR pay the difference of the short upon closing.
Of course, none of the Piggs are rocket scientists but neither did we fall off of an onion truck yesterday :=0