That's the point. If you fall behind on your payments, they own your house. How much real estate do you think the banks own now because of these crap loans? The

That's the point. If you fall behind on your payments, they own your house. How much real estate do you think the banks own now because of these crap loans? They can sell that for whatever they want and on top of that, they got paid for it with the bailout. They are professionals; they know how to shape the system to work in their favour, not in your favour.