Yeah, it’s pretty funny, some folks just don’t know how uncaring the real world can be. “They just won’t take away the house of some idiot that can’t manage his money properly!”. That’s exactly who banks foreclose on. Banks take homes away from military widows with three kids. Banks take homes from people going through cancer treatment. Every foreclosure has a sad sack story behind it.
They also foreclose on idiots who overextend their credit and subsequently can't afford their house, car / personal loan, or credit card payments. I have zero sympathy for the people who took out subprime mortgages followed by racking up unaffordable debt financing jet-skis (yes, really) and the like that they couldn't afford. Having said that, these aren't really circumstances that apply to the Chandlers, though I will fully-admit that both Chris and Barb are shit at managing their finances.
Chris brings in around $1300/month in tax-free tugboat, IIRC. He's also allowed to earn up to $1000/month on top of that without that income affecting the tugboat. $2300/month might not sound like much, but 14BC's mortgage sits at $800/month
per the cwcki. That potentially leaves $1500/month to cover bills and food, which would be
plenty for anyone who understands how to manage their money and live within their means. Hell, even $300-$500 in credit card and/or car payments could be carefully managed on that much, and still allow for setting a small amount of money aside in savings.
The problem here is that Chris refuses to get an actual job, and there's no way he's clearing $1000/month in selling shit through his various stores and auctions. Barb is a drain on that tugboat, as well as whatever she may receive as retirement payments, chiefly through her hoarding habits. Chris could actually be considerably better-off financially once Barb croaks, but it won't happen because he's lazy. That is ultimately what will cause him to lose the house.
And I've said this before, but I'll say it again: Chris is likely to end up living with a fucked-in-the-head troon after the bank forecloses on 14BC. He may be a thoroughly awful person, but he comes with a tugboat and warm bodily orifices. Don't underestimate what someone will put up with for a set of holes that effectively pay you to violate them while allowing you to virtue-signal to your peer group about how wonderful you are for taking in this brave transwoman whose house was pulled out from under her by evil banks that hate trannies.