Any Mortgage/Foreclosure gurus?

I myself dont like hearing that the bank should absolve the difference from what it is now worth and what is owed. My point for thinking that is so someone gets off the hook on debt but someone like me that was smart and paid xtra on the payments and now it is worth what I owe I am not being forgiven on any debt. Why should I not receive the same deal as others on forgiven debt. It was a gamble when bought and some ended in a loss so walk away and take the dent or stay and pay is my 2 cents.