Sympathy + resources create "the Laffer curve of redistribution where if you suffer a bizarre..."
Sympathy is for the historically disadvantaged, the poor, and people aligned with such groups.
On the other hand, when everyone is a victim, by definition you can't give yourselves a boatload of money, because it has to come from somewhere else.
Currently, the homeowners are changing the mortgage contract ex post because lawyers and politicians find them useful muckraking props for their power and profit grabs. Prior default curves for mortgage cohorts are now totally irrelevant because there is now little stigma for defaulting on a mortgage--rather the opposite--and you get to live rent free for a longer time if you stop paying.