That's not a difference your original comment depended upon. Obviously, putting someone through the foreclosure process hurts their earning power (stress and lo

That's not a difference your original comment depended upon. Obviously, putting someone through the foreclosure process hurts their earning power (stress and lost time), just as repoing their car does. That's not an argument against making loans secured by assets, nor against seizing them when the debt is in arrears, nor against measures that make said repossession easier.