Thier not stupid but they were never educated for what to do in this situation because it was never supposed to happen.Same with judges.This is what could be termed and was for awhile as common sense law.They were educated by banks and so forth to ignore the law so these entities could prevail at any cost.Out the door went proffesionalism,ethics,our constitution and much more.This why they are like deer in the headlights no one prepared them for it.In thier world the right way never exsisted so they know nothing about it.