There are an army of foreclosure lawyers going after the failed borrowers, and lots of empty homes. In some states, those folks are still on the hook for the money the bank can't get from the sale of the house. The failed borrowers are not having a fun time. You can find a number of articles on www.nakedcapitalism.com about folks who were robbed of their homes by the banks.
On the other side, we have seen sworn testimony about 10s of thousands of perjured documents by the banks. And yet, no banker has lost his house or been otherwise penalized.
Until we see a lot of perp walks, there isn't enough emphasis on the crime of the bankers.
You have bought all of the liberal populist victimology kool aid on this story and understand NOTHING about the mortgage industry.
I’ve not the time to educate you on how it works.