No one said that the borrowers will not find any solution to their problems. If so, statements should be verified and confronted with other independent sources, otherwise it's subjective judgement.
No one said that 100% of them, being in a particular situation, should be classified in the same way. Every case is different and there are different ways to find the win-win solution and successful negotiations. If sb states his/her option is absolute - it is subjective attitude as everything is relevant.
No one mentioned at least once that some borrowers really want to cooperate with their creditors and present procactive attitude.