Considering that the OP actually did agree with my comparison, you're the only one who thinks it was and is ridiculous by your own measure. It was a decent comparison, it may not be the type of comparison that you like, but that doesn't really make it invalid just because you say so or because you personally think its silly.
You had asked if I knew how it works and I explained that I did, so I'm not sure what your problem with it is. You only saw the 120 days it takes to get towards foreclosure, and that's because it tied into your narrative more than anything. When the three to thirty days part of the actual foreclosure is more similar towards the 45 day period of when you lose your XIV house. You also act like mortgage statements can't get lost in the mail or end up in your email spam folder either which does happen. There is a possibility of the mailing system not mailing things correctly to you or delivering your statements. I'm also not sure on why you feel that people can't ignore warnings in real life, much like they do now in-game, that it's an impossible thing for someone to ignore warning after warning about something important. But, whatever, it's clear that it's impossible to convince you otherwise because you're on the fence that anyone who makes a mistake in XIV should never have to be held accountable for their own mistakes. So, we're probably going to get absolutely no where else regarding the topic as neither of us aren't going to back down from our stances. And frankly, I don't really want to continue arguing with you especially since you feel that I've insulted my own intelligence (somehow) simply from making a comparison between two similar things.
It's a 50/50 problem, but you're only blaming the one side (the devs) because it's far easier to place blame on them entirely than the actual player who played the game for five years and not once, thought to ask more about housing. It's one thing to blame them for not having any information whatsoever period, it's another thing entirely to blame them when the information is readily available and someone just didn't bother to look it up.
What happened sucked, don't get me wrong. But, it's half of the dev's fault and half of the OP's fault. It's not completely the dev's fault.
And, you don't know me well enough to talk about my attitude, so please stop making assumptions about my character as a person. I'm not being hostile, I'm being blunt and honest and if you don't like it, well, that's not really my problem, I guess? You don't really get an opportunity to dismiss or say that you're not making personal attacks or insults....because then you go and make subtle rebukes about myself as a person in multiple cases for no reason at all when I haven't really made any points against your character whatsoever in such a way.
Also I didn't insult your intelligence. You did that yourself with such a ridiculous comparison.No, your horrendous attitude that this game must somehow serve as a life lesson is what is frustrating.