In my opinion, you are the prime example of whom this article is discussing. In my view, the bank will still profit off of your loan. If market value is about

In my opinion, you are the prime example of whom this article is discussing. In my view, the bank will still profit off of your loan. If market value is about equal to what you owe, but it could only be reasonably sold for $20k but you have paid $45k in interest thus far, they still profit $25k from your loan. I have a hard time seeing where the bank could be morally right in damaging your credit for walking away...