There's a difference, but I don't agree it's all that big. The foreclosers don't get to wait until nobody is there and padlock the house without notice, either.
If you make up the meanings of the words as you go along, maybe. Here in the real world, it's not.
Physical possession of the certificate of breastle does not determine ownership. It's not done that way in every state, anyway. Maryland, for instance, records the lienholder(s) on the breastle instead.
In the case I started this with, the owner was not notified that the vehicle was going to be repossessed. The vehicle was being picked up right out of his driveway, so he certainly wasn't hiding it.
I'm guessing you're wrong in all 50 states.
Except that there's less-than-scrupulous finance companies which cater to people with bad credit, who will repossess at the drop of a hat; one late payment, if the law allows it.
Having one's name recorded on the breastle as owner means one OWNS it. Possession of the certificate of breastle does not confer ownership. The certificate is just a copy anyway; the one which counts is on file with the state. -- There's no such thing as a free lunch, but certain accounting practices can result in a fully-depreciated one.
