Legal vs Moral

The law says I can walk away from my house, even if I can afford to make payments.  Is is ethical to do so?  I say no:

So no, I don’t see jerks who speculate on houses and then walk away from their mortgages because they’d rather spend the money on cruises as heroes of the working class, striking a well-deserved blow against the banks for the rest of us.  I see them as the folks who are doing their best to ruin a very good thing for the rest of us.

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