I haven't been able to convince myself of a good reason the ethics for an individual should be any different than those of a business. I can still pay my mortgage. But CARES says I can give notice to my lender and stop for 6 months, maybe even 12, without bad credit reporting, and without demonstrating any hardship. But other than adding my weight behind pushing the system over the cliff, I don't have a good reason to stop paying. I guess I'm both not creative enough and not malicious enough. Fatal character flaws in the neo-feudal plutocrat panopticon pigpen.