I do, so you're preaching to the choir. Again, I'm not arguing about what ought to be the case. Only what is the case and what is enforceable at law. Contract law wasn't written by banksters; its codification was certainly influenced by them, but contract law derives from the English common law, which predates any organized system of banks by centuries.

It's not a matter of believing one thing or another. You can read the law and, if you understand it with sufficient clarity, you can see how it will be applied. That's the advantage of positive law (I'd argue its only advantage).

Once again, so long as the bank comports with the standards issued by the Fed and the statutes regarding fractional reserve lending promulgated by the federal government, it's a good contract and enforceable at law. Banks don't give you anything when you purchase property. They give the seller the money. What you get is a release from your debt obligation to one entity in exchange for another (private person to institutional lender). That doesn't defeat the contract, as you are still given valuable consideration under the law.