It is important not to confuse the two, because there is a very big distinction. Insured mortgages, by definition, are insured. I'm underscoring this because the initial question was wrong. When you talk to OSFI and the regulators who are responsible for determining the sanctity of our financial system, it makes a very clear distinction between insured and uninsured mortgages. That's the reason for the different treatment.
On December 7th, 2023. See this statement in context.