Well, if your hypothetical poor home owner wasn't able to afford the house in the first place because they could not qualify for the PITI with the obtrusive government regulations -on their loan, (what the rule was truly about) due to the high cost of insurance in Hawaii, then the roof is the landlord's problem and the non-homeowners are still screwed on the contents unless they had renter's insurance - which the Feds also have nothing to do with.
You seem determined to see a zebra here so I will leave you to that charade.
Everyone else - don't let the fake news freak you out. You just have more options now. Yea!
You seem determined to see a zebra here so I will leave you to that charade.
Everyone else - don't let the fake news freak you out. You just have more options now. Yea!
"If we are too precise we will be called out because we cannot back it with data."- A.F.

