[Kevin]

A thief? Nah. You're someone the bank took a bet on. The bank lost the bet. Especially when homes are irreversibly upside down, I fully support not paying. Banks do that as a matter of course with even less recourse taken against them than regular Joes like you or I suffer.

Banks should be more careful as to how much they'll loan on a piece of property. They should be more careful about who they loan to as well. To make this as simple as you try to fails to understand the totality of the circumstances.