"The banks deserve to fail for all the bad loans they made." "The government needs to step in and protect homeowners from fraudulent loans and greedy mortgage companies." "Homeowners should not get a bailout from the government because they were just gambling on rising property values."

In all of the debate over what should or should not be done to alleviate the rising foreclosure rate, and who deserves a bailout or deserves to fail, it seems as if one aspect of the housing crisis has been forgotten. There are people behind this.

It is not "the mortgage company" that begins the foreclosure proceedings on a house, but people who work for that bank. They have been told by other people that their bank owns the mortgage, and so they get to work attempting to get the home. These people hire other people working for local law firms who spent tens of thousands of dollars at laws school and can hide behind legal language in order to justify stealing homes and kicking homeowners out of their properties. Other people represent these same banks when houses are auctioned off, placing bids on properties on behalf of other people on behalf of "the bank."

"The government" does facilitate the entire foreclosure process, but people who call themselves "government employees" participate every step of the way. People in the clerk's office stamp the lawsuit that people calling themselves attorneys bring in. These people then send up the lawsuit to another person called the judge who issues an opinion on the case which is backed by force because he is able to hide behind the name "government."

Then more people calling themselves "law enforcement," even though they do not understand the laws, follow the orders of the person calling himself a judge. These people auction off homes to people from the bank, homes they may never have seen and have no interest in besides the fact that they will not be able to pick up their paycheck if they do not auction off these properties. The same people, after the people from the bank have bought the home and asked the person calling himself a judge for an eviction order, then follow the orders in the eviction notice and put homeowners out of their homes by force, if necessary.

This system would be tragic if it were not completely devoid of morals and conscience, using aggression and banality to carry out the removal of people from their homes because they have been caught in a trap. This psychopathic aspect of the entire foreclosure process is also conveniently glossed over, as the people from "the bank" and "the government" "only follow orders" to steal homes.

A monetary system such as the one that creates principal out of thin air as debt, but does not create enough money for interest to be paid back on the loan is easily seen as fraudulent. Only the psychopathic personality could come up with such a system, knowing that people who borrowed money would never be able to pay back all of their debts and that they would end up with the productive assets of homeowners, consumers, and businesses who fell too far into the scam.

But such a psychopathic ideology needs more than just an idea designed to impoverish people; without a system to implement the plan and remove any dissent, the idea will be little more than a laughable attempt at outright theft. Thus, a vast number of people simply carrying out their compartmentalized portion of the system is required. These people do their assigned task in the psychopathic system without ever being given the opportunity to take a step back and view their part in a fraudulent transfer of wealth from poor to rich. Psychopaths at the top rely on the banality of evil carried out by people against each other to perpetuate the fraud.

All of the names and fancy titles given to people when bilking homeowners out of their properties is merely an attempt to dress up a system of money creation and debt slavery which has no conscience. The idea of calling outright thefts "laws" and "regulations" carried out by "sheriffs," "judges," or "bank client service representatives" is nothing but propaganda designed to make people feel better (or feel nothing) about their complicity. It is important for homeowners to realize that the people carrying out the attempt to steal their homes are just people following orders from psychopaths.

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