Re: but the '...w.dll'
Anybody involved in this would go out of business very quickly
Builders start a business, get credit with suppliers, max out credit, then go out of business *all the time*, the same builders, using the very same suppliers, that they ripped off two months ago.
Why is this possible? Because of "securitisation", the suppliers just sell the credit on to "investors" for an immediate return. After that it's not their problem what happens to payments so they don't care, as long as there is a market for high yield paper, everyone are golden.
A similar business model must already exist around key signing.