What points? Does the article make any points? I couldn't find any. For instance, point 1 ends with

"A foreclosure suit is not a lost home — most end when the owner, or the owner's lender, pays — but the pressure is the point."

Which makes no sense whatsoever. I thought they were making a housing crisis worse by forcing foreclosures, but now apparently "the pressure is the point." The point of what, exactly?