It's been ages since seeing the Man of La Mancha, but my Son's high school was doing a performance (he plays lead guitar in the pit band)the very first line of the play reminded me of my recent experience with B of A.
The Governor: We generally fine a prisoner all his possessions
Miguel de Cervantes: All of Them?
The Governor: It’s Not Practical to take more.
Bank of America made a 95% land loan to a house wife (no reportable income) five years ago, when her husband lost his job they asked for my help in short selling the vacant lot. It is now worth $225,000 less than the original purchase price. The expected net proceeds will fall $150,000 short of loan pay off. After Months of negotiations with a market value contract in place. The Seller is forced to file chapter 13 bankruptcy protection, to ward off threats of financial ruin from the lender. The site is now scheduled for foreclosure and the buyer will attend the auction ...or wait out the listing if the bank buys it back at auction.
Don Quixote (the Man of La Moncha) Attempts to do battle with a four armed monster that is terrorizing the village's 
But we all know this monster is a passive Wind Mill with no aggressive intent.
Why did Bank of America make the loan in the first place, and why don’t they take a market value offer…without the folly and expense of attacking wind mills?
I know the technical answers to this question...but as a patron of the arts, a happy ending once in a while would restore my faith...that author writing the first act had a better plan for what happens after the intermission.
The Prisoners keep asking the M o L (man of La Mancha) if he is dealing with reality. But each act the audience is pretty sure he is living in a fantasy land. Towards the very end and on his death bed…we find out he was aware of reality, but found it too painful to live with. Is B o A living with their own reality…they took on this quest but are looking for Government support to save them from their foolishness.
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