"you might care when the banks margin call your highly leveraged property."
Gee you guys love to trot out that ridiculous line. The banks may have the right to do it but they are unlikely to do it in a big way. I think they will have bigger fish to fry at that time and it will NOT be in their interest to make these requests if people are meeting their repayments. Their own self interest will mean they will not want to make a bad situation worse.