you are paying for a mortgage with a signature because you never take a loan out, or receive any money, also they are creating loans that cannot be repaid unless traded with abroad, from imports and exports and exchanges on a currency exchange therefore, if you take out a loan and trade it in a different currency, and trade goods and services for these currencies, you have more chance of paying it back as a result of that trade, because 1 you've printed more of their scam money and made the currency weaker and the is a limited supply of the currency you bought making that currency stronger as long as you trade goods and services with it, or use steemit, to get up votes. so what you are technically saying is a lie. the banks are really just suppressing your chance of paying back their fraud, and as their fraud is based off a lie and deception, it's not worth paying them back anyway, as you don't need to, because the collateral, is a birth certificate and a corporate fictional entity they make you claim in a deception. you live a lie under their system. a big delusion run by the pope of rome because it's illegal to use a legal name, and they have infinite money and they set up fake bank accounts in your corporate fictional name, that you call yours, you live a lie and make everyone else believe one. banks offer men and women loans they cannot pay back, due to the fact they do not export abroad for most of the loans gained, therefore not everyone could pay it back, but in a global pool of funds like cryptocurrency they have way more chance. your argument is not only wrong it's also A grade stupid, as in a F in life studies. they are trying to suppress people because the truth is they would be more likely to pay back the loan, than if they bought a holiday and wasted it.