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I won't be one of them ;)

I see your point but each person's situation is different. Some people just don't have the money to pay if the valuation falls short while others can still afford it. I think it's better if these people engage with the community so they learn not to make the same mistakes next time.

The reason why you are seeing these threads is simple. Back 1-2 years ago there was a big boom in housing. So lots of people bought. Now they are coming to settle those properties and the market has turned since then.