Like I tried explaining to you earlier. It doesn't matter what the circumstances are. It doesn't matter how much the loan is for. $10,000, $100,000, $1,000,000. The bottom line is, the bank gave them the money, and it is owed back to the bank. Somebody has to pay for it. The mother agreed by cosigning.
Actually the circumstances do matter, you ignorant shit. Banks factor all of the circumstances when making bank loans, this is a crucial part of banking, this is how they calculate, the size, term, and amount of interest paid on the loan.
This is why the supposed inability of banks to make these decision's is entirely false. They do these types of decisions all the time.
This is a textbook example of incompetence, in the banking system.