I do not know what your post is supposed to be saying and i doubt you do either but i will again clarify...
It DOES NOT matter if there is no collapse. It does not matter if the people were making money. NYS and ANY STATE and Federal Gov't has every right to protect the systems from fraud being entered into it as that fraud adds RISK to the entire system.
If everyone is getting loans based on deliberate fraud, like Trump was, the entire system does not have the asset security it calculated it had, based on the filings.
You cannot keep saying 'but they made their monthly payments' as the defense.
If for instance your mortgage provider demands you get Life Insurance to get a mortgage but you cannot get any you can afford due to recent health issues you CANNOT simply change your medical information to show yourself healthy, get the insurance policy and then submit it to the bank, to get the mortgage. If the bank finds and Insurance company find out, it is STILL FRAUD, even if you made every payment, and the bank and insurance company both made money from you.
If you do not understand WHY that is still fraud to do, you are hopelessly stupid. Beyond reason.
So when Trump pays Cushman Wakefield to value 7 Springs for him, and they say '~$30MM' and Trump then walks across to the bank saying it is worth >$300M, and he lies saying it already has 7 mansions fully built and paid for, sitting on the land, when he has not even applied for and got a permit to build yet, and does not know if they will be approved, THAT IS FRAUD, even if he makes all monthly payments on the loan he got versus that property.
Again, if you read that and say 'he made the payments... no fraud' you are the reason for my signature.