My mortgage payment is small enough that a lot of people could easily afford a single payment if I had defaulted on it. That doesn’t mean they could just pay of

My mortgage payment is small enough that a lot of people could easily afford a single payment if I had defaulted on it. That doesn’t mean they could just pay off the entire remainder of a mortgage. Paying off the current payment doesn’t deal with the remaining $300B debt that they need to service. It just kicks the can down the road a few days. Good luck finding a multi-billionaire that’s going to swoop in and make $148M payments on a regularly recurring basis for the next decade.