Well, you did ask why this a problem “whose response is a risk-shifting onto tenants”, and the response is super-simple: “because it’s not their property”. If

Well, you did ask why this a problem “whose response is a risk-shifting onto tenants”, and the response is super-simple: “because it’s not their property”. If there were a whole bunch of laws that said that if you rented a, say, car you were making payments on to another person, that protected them from having to give it back even if they weren’t making payments until a court said so? …and while a court would rule that they owed you, the result would be a car you had to pay for that you couldn’t possess or use for months because court dates and enforcement were months out? …and further, even once the court said so, you’d still get a damaged/broken car along with a debt against someone you’d never be able to collect most of the time? You’d be real, real damn careful who you rented that car to. Same thing.