No, my point is government intervention almost always has unintended consequences.
I don't think the consequences were unintended at all. The whole point of the stress test was to keep people without the means to keep paying a mortgage through a downturn. And that class of people would obviously either aim lower or stick to renting to compensate. From the policymaker's perspective, that's much better than them going underwater and needing a whole lot more taxpayer money to be rescued or kept on income-tested assistance.