what your saying is that your word isn't your bond and that your promise to pay back a loan in WORTHLESS....By your logic..you should NEVER buy ANYTHING...the bank has NO WAY of knowing the housing industry values in the future..when you buy a home you buy it on TODAYS prices...GAMBLING that it will increase in value...that IS NOT the banks fault!...Integrity has EVERYTHING to do with paying your debt! Maybe you didn't learn that...shame on your parents for not!