Just imagine living in your home for 3 years, and there is no need to pay your mortgage. That sounds pretty fair, right? Especially after the bank has "hosed" you!(sarcasm removed). In this article, it explores individuals that are living in the foreclosed home for 3 years! This is a concern at the macro level. If one is paying attention, what are the economic implications of this behavior? Who is really paying for this activity? The bank or other customers?