That’s not how “et al” works

Just imagine controlling the drone and thinking that this is ok

That’s really interesting! The ending is famous and otherwise well regarded, so the director probably made a good decision - even though I will always disagree :)

The ending of se7en makes no sense. All the previous victims were murdered because they suffered from one of the seven deadly sins (gluttony, sloth, greed, lust, pride). But the final two victims - that supposedly would complete the list - did not suffer from these sins, but instead the perpetrators murdered them out of envy and wrath. Gwyneth did not suffer from envy, and Brad did not get murdered for his wrath.

Such a shame because the rest of the movie is great.

I think there are plenty of failsafe mechanisms. But most importantly, if you fail to pay your mortgage, the bank has the right to take possession of your house. Those forces the bank to do it’s due diligence with regards to the value of the house. Also, if a bank has been too lenient with its mortgages, it can get into serious trouble - the government here enforces pretty strict rules to prevent people from getting in over their heads.

Why would you be better off? In the rest of the world you just have to provide proof of income and proof of savings and debt and banks can calculate how much they are willing to loan you for the purchase of a house. Seems to work fine, and I don’t have to have pay interest on meaningless loans just to prove that I can.