I would still call it evil. Just the latter stages of a premeditated plan to steal everyone's houses. You set the wheels in motion to get homeowners in a position that they live in homes they can't pay for, then take the homes and make it their fault.
Discussion
The reality is the banks don’t want the houses at all, they dont want to steal them, they really want you paying them the money. At the height, the banks were desperate to keep people in them paying on their debts. IT was a catastrophe for them too, but of course they had the money printer on their side to bail them out as we saw. Banks really really don’t want to own your house, they want to own your debt, repackage it, and sell it off. It’s debt tranche hot potato
I'd say that the chaos is part of the plan. When employees of banks try as hard as they can to bleed people out by making them pay their debts, but those in the know understand it's impossible, and look to the real goal which is the foreclosure.
I'm not a lawyer, so I'll assume premeditation in anything involving a bank 😂
I don’t blame you, I’m more of a Golem-model of evil. Just a lot of people working in a deranged system, the aggregate result is the Golgothan golem:
