It is their choice and it is not unreasonable.
The upside of this is that it’s likely to drive the prices of homes DOWN.
As long as they don’t get a dime of coronavirus funding then you are right. This bank has gotten government welfare too many times.
Because it is logical and sound business practice........the democrats will attack the decision as racist, mean spirited and unfairly targets the poor. Gosh they will no doubt demand the same practices that lead to the housing market meltdown in the past. Democrats don't give a damn about what happens to poor people when they can't make their payments and lose their homes as long as in the short term they can buy peoples votes.