There are likely to be a variety of reasons for this, but an important one is that owner-occupier households need to move out of their own home if they default, giving a powerful incentive to continue servicing their mortgages if at all possible.
These are: First, additional participants in a transaction exponentially increase value which is defined, measured and transferred through consent. Second, there is power in leveraging on digital technology as a connector of people. Finally, people always count.