Blacklists are not paying a debt.Not sure you would have a House but have wathuk credit card debt and other. There is not enough money to be lent. Banks are not allowed to recover.
Blacklists are not paying a debt, then yes, then everyone would have a home. Have credit card debt, and many others. Money is not enough to get another loan. Banks refused to lend
Blacklists is owed and don't pay , and everyone wants to be home. But credit card debt and so on. Money not enough to borrow again. The bank refused to loan.