LOL  Financial incentive/punishment like that would just distort the market. $1 million legit properties would all start appraising at $800k, and now if appraiser is forced to purchase it at 90% they pay $720k for a $1 million property.I think that's interesting that your appraisers don't know the value.

The fact that they served their time only satisfies what the government thought was appropriate punishment.

We got dinged with one that was our fault, but felt the punishment way out-weighed the crime.We took on a handful of properties from a new client. 

A company would be punished by the feds and/or the market bc of perception.

Is the goal finding someone to blame and punish, or avoiding/striking the deed restrictions themselves?

In other words reward failure and punish success.   

But I am told it happens with no punishment. 

Tech cost is actually creating more expensive economy rather than lowering the cost of transaction which end up punishing customer.

They can't fail to do their job and then punish you for not working with them.I think this is an easy solution. 1.

We can't cancel and be punished by VRBO.