You forgot about the constitutional principle of RFT-NFM. Rules for Thee, Not for Me.
I’m wondering if federal institutions are going to degrade to the point where I don’t need to pay taxes anymore and they will not be able to enforce my not paying my mortgage
If the American government falls, completely, if every American official is killed, if the borders dissolve into slurry at the approach of millions of Gothic tribesmen, if civilization collapses, if you are reduced to subsistence farming with a stick and a hand sickle…
… the tax and debt collectors will still be on your ass.
Like roaches, they survive everything.
Better get my guns ready then
I’ve got good news and bad news:
The good news is, if it gets to that point you won’t have to pay your mortgage anymore.
The bad news is, some gang leader/warlord will commandeer your house.
Private police will just force you out at that point.