[metajack]

You can’t control who buys your mortgage from whatever bank you originally got a mortgage with. Even if you refinance to another bank, they can just resell it again. I assume this is true of other kinds of debt. Not all their customers are people who don’t know any better.

Also, I think people probably have some systemic trust that really bad actors will be eventually removed, but unfortunately that seems not to ever happen to Wells Fargo despite what is at this point hundreds of years of bad behavior.