Think of the way that the banks that bought and sold our mortgages in the run-up to the 2008 crisis eventually lost the deeds to our houses, and then just *pretended* they were legally entitled to collect money from us every month - and steal our houses if we refused to pay:
https://www.reuters.com/article/idINIndia-58325420110720
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Or think of the debt collection industry, which maintains a pretense of careful record-keeping as the basis for hounding and threatening people, but which is, in reality, a barely coherent trade in spreadsheets whose claims to our money are matters of faith:
https://pluralistic.net/2023/08/12/do-not-pay/#fair-debt-collection-practices-act
For usury, the chaos is a feature, not a bug.
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Their corporate strategists take the position that any ambiguity should be automatically resolved in their favor, with the burden of proof on accused debtors, not the debt collectors. The scumbags who lost your deed and stole your house say that it's up to *you* to prove that you own it. And since you've just been rendered homeless, you don't even have a house to secure a loan you might use to pay a lawyer to go to court.
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