Are Banks Getting What They Want?

In neighborhoods across South Florida many homes are still getting foreclosed on and I wonder if this is what the banks really want. 

Certainly some of these would qualify for some kind of workout plan where the people can stay in their homes and the bank can get the loan back on track and make money instead of taking a huge hit by foreclosing.  More importantly the number of foreclosures could be much less, improving the market. 

In alot of cases foreclosure is the right thing to do but certainly the banks can improve on their workout rate.  I just can't figure out why the bank chooses to foreclose when in many cases there are other options.  Are they just so busy that they can't get the job done?  Maybe unqualified people are handling the files, or maybe the banks benefit in some way to just be done with it.