People keep falling for this farse. Yes, the individual bank would like to “win” but all banks are the same monster. Think of the average. Go to home depot and realize that Lowes has the same shit on sale. The same monster, just different colored doors and maybe the products look different. But Stanley makes the same money regardless of where you buy your Stanley tape measure. For banks it’s the Dollar TM. Regardless of where you take or put back the dollars, its the same monster behind the bank. Its only goal is to get you to go do work, to transform those hours into money/dollars. On average, they own your house. You “buy” your house from one colored “door” and then another door takes it back later when you can’t pay for “whatever” reason. They figure out what “whatever” reason will be before it happens. Like if you’re 60, they know you’re about to return the house. You think you’re leaving it to your kids. Your kids don’t want to live there anymore. So they sale…who owns that loan? The banks do. So the house returns to “a” bank, a different colored door to the same monster that keeps everyone’s money.