Walk away from your underwater mortgage -- the bank would|
Yup, my last job was very hard, because I often had to be the person to try and advise people that this is what they should do (often AFTER they'd lost a huge amount of money trying to play the bank's game and win). Very often, they were offended, or thought I was trying to get them to admit that they were horrible immoral people so that the bank could "justify" taking away their homes. (Yes, most people still think that the bank wouldn't actually screw you unless they had some indication that you deserve it. Yes. Really.)
Morals are a really great tool for the rich, you know? They can count on the psychology of your average American (especially older ones, and immigrants) to make them stay in a bad deal that benefits the guys on top, while the guys on top have no such compulsions, and will cheerfully bail the second the deal no longer makes them money.
...You know, I haven't had to think about this for a week now, AND WOW AM I GLAD.