To exacerbate the issue. The bank employees can point out that house prices are going up. If person stops paying, they can claw back property and make profit. T

To exacerbate the issue. The bank employees can point out that house prices are going up. If person stops paying, they can claw back property and make profit. This makes sense in a bull market. That is until there's a recession and all house prices tank with banks selling at same time. But those previous employees? Made redundant in downturn. Who's fault is it for causing these losses?