No, I don't agree with that logic. Credit risk is not the same as the risk on owning the asset. Your bank might lend you money to buy a house based on your exc

No, I don't agree with that logic. Credit risk is not the same as the risk on owning the asset. Your bank might lend you money to buy a house based on your excellent credit and your large downpayment. That does not mean they want to rent out your home, speculate on home prices etc. They may end up doing some of this tangentially (they have to dispose of the house if you end up not paying) but that is not the same business.