One reason that banks oppose debt write-downs is that many underwater homeowners continue to repay debt rather than default, even while cutting back on other spending. If these diligent payers are eventually expected to default, writing down their debt today makes sense.
但是，任何解决方案都有弊端。银行会反对债务减记，原因之一是许多资不抵债屋主并未违约，而是在继续偿还债务，尽管这样会削减其他支出。如果这些诚信债务人最终被认为会违约，那么今天就减记其债务有利可图。如果他们被认为会偿还债务直到偿清，那么一股脑的债务减记会削弱银行，甚至可能影响经济增长。支持通过债务减记刺激增长的决策者得问一问，他们是能获得足够的政治支持，以在必要时重组银行。