...snip...
If they were mortgage free and didn't pay, well, that's pretty dumb isn't it? If someone ends ends up losing their house due to such stupidity, they only have themselves to blame.
Really, this sort of stuff isn't complicated.
Blaming people for a mistake is fine. Destroying their home over a $75 fee is not. It may feel clever to say "Sucks to be you" but that is not a valid basis for organising a society.