"I really don't want to follow through on what I agreed to"

See that's funny. That mentality _is_ part of the scam. When banks break the law and get a fines as a slap on the wrist, that seem like a joke, and those fines seem to just be a caclulated risk they expected to handle, vis-a-vis the profits that operation made then it's "just business".

If a person desides, fuck it, this doesn't make sense, the downside of defaulting on (house, student loan, other contract) seems to be better than keep paying, then it is "moral outrage", "serious character flaw issue", the label "criminal" is thrown around and so on.

_This_ is one of the fundamental elements of the scam -- to apply moral blame and personal character flaws to less empowered individuals but to selectively choose to not apply those to large business entities.

I remember during the housing crisis, there were a few cautionary articles in high brow economics journals, about how the real shit will hit the fan when high income people, who are not showing distress signs on being able to pay their mortage, will nevertheless, put the keys in an envelope, mail it to the bank and walk away from their million dollar mansions. Simply because they'll see they are under water, and numbers simply don't add up business-wise to keep paying that interest rate on that property. So there was this fear that some of these more "rational" actors will well ... start acting.

Anyway to make long story short, it seems to me your comment that is "dangerous" is coming from the same propaganda mentality.