Mirroring a non performing asset

Hi, guys,
I wanted to know if anyone has ever used Mirror to create a synthetic asset for an non performing loan.
You know that NPEs are one of the greatest evils afflicting the world today, people who are unable to pay their mortgages or what they have bought on installments, I would like to understand how to synthesise this asset in a maximum way…any ideas?

If an oracle can provide the data in a decentralized way, and the community approves it through governance, I don’t see why not.