The only people keeping their homes are cashing in their 401Ks and paying off their mortgages, so they don't have to have insurance, then they have to pay the penalties for taking so much out of their 401Ks. I don't have a 401K. Bankruptcy all around, for people who never did anything wrong.

It's corrupt and insane. I'm so sorry this is going on! It's everywhere, but that isn't any comfort. A new one here: insurers are telling home owners they must have licensed certified roofers replace their roofs or they will be dropped. There is no such licensing for roofers in Wisconsin.