I think more and more, this will be happening.
As corporate downsizing and closings continue to occur, more and more Americans are finding themselves in financial situations they never dreamed they'd be in. I'm not sure I wouldn't be pissy and want to retaliate against my mortgage company for booting me out of my house that I've been making payments on (in a nice timely fashion) just because I've stumbled onto some hard times. The mortgage companies are better off making new arrangements with you for any kind of payment than to let the house get destroyed and then they are stuck. Don't ya think?