Proof of ownership is a problem, no doubt about it.
But those that stopped paying their mortgages, because the house they purchased was not worth what they borrowed really don't have any one to blame but themselves.
just like buying a stock, a house is an investment. you make a decision, and a choice. if you can't afford to pay the loan, you loose the property, or the stock.
I know my neighbor took out 3 loans on his house, bought cars, boats, and stopped paying for 3 years... until finally was foreclosed.
I didn't take out loans, and drove old cars, and he got a bailout.
how is that fair?