If they lost their jobs, had health problems or got divorced, we could of course expect defaults. But they seldom walked away simply because house values had fallen.

当然，如果他们失业、离婚或者遭遇了严重的健康问题，我们也有可能面临违约问题的发生，但他们并不会因为房屋的价值下降而放弃偿还贷款。