In this episode, Niall takes on a deeply personal and divisive question: Should families lose their homes if they can’t keep up with payments? Dolores, a listener, wrote in with a story that resonates with many. She and her husband bought their house twelve years ago, determined to give their children a secure place to grow up. But after the pandemic cost her husband his job, they fell behind. Despite his return to work and her efforts to make ends meet, they can’t catch up on the mortgage. Now, a letter from the bank threatens to take away the only home their kids have ever known.

Dolores wonders if it’s fair that a family like hers could lose everything because of a crisis they didn’t cause. She sees how the bank has its own financial obligations, but she also believes there has to be a better way to help people in real need.

Some callers argue that the bank’s job is to protect its investments. They say it’s not about cruelty; it’s about economic survival. Repossessions, they argue, keep the system from collapsing and ensure that those who can’t pay don’t put everyone else at risk.

Others say that’s exactly the problem: the system cares more about numbers than people. They argue that banks and governments should find ways to keep families like Dolores’ in their homes—because losing a home doesn’t just hurt one family, it scars a whole community.

As the episode unfolds, Niall weighs these opposing views and leaves listeners with a question: What kind of society do we want to be—one that sees homes as assets to protect, or as havens for families to keep?