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Those people underwater, some of them will have the principle reduced by up to $20,000. that is over a million people there. so here you have this moral hazard. one group of people who have been affected by the housing bubble get nothing. two other groups of people get something. that is moral hazard. there is also the issue of the banks. are they entirely to blame for this because theyre the ones who have having to shell out $26 billion. there is the issue of how do you work all of these groups...