The narrative that one set of banksters is pushing is that this is all just a paperwork problem, that ultimately we have debtors who owe money to creditors who aren't paying and even if all the paperwork wasn't handled quite correctly that is still the case. But of course if you decide that the legal framework that was set up can be ignored, you're going to invite extreme fraud into the system. If banksters can just steal homes on their say so, they, you know, will, as will others.