Reversing a charge from a year ago doesn’t pass the smell test and they may want to examine the transaction from a teller fraud point of view as well as their own procedures.

Regulators, such as FDIC, Comptroller, CUNA, State Bank Examiners, all  do audits.

You also  have the nerve to say  "The general public is  mainly to blame for some reason they think  is something they can learn in a week or weekend.. " They think they can learn it in a week-end because the GURU's at these free seminars have told them they can learn it in a week or week end  and then you say "But people inherently are greedy and they want some free lunch"  No these GURU companies are the greedy ones and they are  the vultures.BG

Purchasing your can be exciting and nerve wrecking.

So, naturally as nerves and pressure go down, so do home values, gas prices, and rent prices. 

Quote from @James Hamling:Principles for Dealing with the Changing World Order: Why Nations Succeed and Fail, Ray DalioLegendary investor examines history’s most turbulent economic and political periods to reveal why the times ahead will likely be radically different from those we’ve experienced in our lifetimes.AWESOME picks....start with Dalio. 

My guess is there will be dozens, hundreds, or thousands of case studies to examine a few years down the road to use 20/20 hindsight to evaluate outcomes.On your second question about extending grace vs being tough: that also depends.

I'm going to give it another week or so and re-examine the market.

We tell them without it we cannot examine their potential residency.

Buying the first, or even second and third can feel pretty nerve wracking.