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Seriously Jack, you're all over the place on this.

Your original point was about banks foreclosing on loans because of the drop in value. And as a practical matter very few people are making the decision you're describing with a primary residence. The reason it became such a big issue was so many people were buying and flipping homes as investments. Generally people who live in a home are planning on the long term and figure the asset value will come back at some point.

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