this sort of thing sucks big time, ordinary hardworking joes  get took to the cleaners and the high-ups in the banks trouser huge bonuses for screwing up the economy.
the banks have been bailed out with billions of £'s and $'s and they still will not help those ordinary people to keep their homes by giving a bit of leeway or lend to small businesses whose cashflow has stalled due to the banks screwing everything up.
i consider my self very lucky in that when my father passed on the insurance payed the mortgage off on our home.( although in would sooner have him around still)
the worst thing about all this  is that the ordinary taxpayer is footing the bill for all this, and will be paying it by way of increased taxes and decreased services for years to come.