Nobody held a gun to the heads of the banks and the foreclosure mills and told them that they had to put the snouts and hooves in the sausage. 

If they had just taken a few more minutes to sign docs lawfully, half the problems would have been avoided.  Once it comes out that foreclosure docs were not signed lawfully, it's a certainty that defense lawyers are going to see an opening and swoop in for the kill.  That could have been predicted with 100% certainty, but these stupid servicers and foreclosure mills somehow didn't think about that.

I agree that more has been made out of it than it is, and that we should resist the urge to overreact.  But that doesn't excuse the banks and foreclosure mills for their abject failures.