FICO is encouraging research into strategic defaults

So FICO is apparently shocked that people with otherwise good credit ratings are letting their credit ratings tank by going into "strategic default" on their mortgages, meaning that they are deciding not to pay the mortgage as opposed to paying it.  The reason being is that when your house is $100K upside down, it doesn't make a whole lot of sense to pay your mortgage just to save your credit rating.  So now, FICO is offering analytics on who they believe will go into strategic default, so that mortgage holders can, I don't know, do nothing faster, I guess.  This is an interesting service, but it does not address what a lender could do to stop a strategic default that homeowners aren't already begging them to do (like a loan mod).