1. Millions of people bought homes they could not afford in the long run - i.e. they bought homes that were too big. 2. It would be a shame if all these folks went homless, because they are hard working Americans for the most part. 3. But it would be unfair to give them help for nothing when millions of other people either didn't buy homes or bought smaller more inexpensive homes. 4. Many other people are homeless already or going homeless 5. Solution - offer mortgage assistance to individuals who need it - in exchange, they must allow homeless people to live in their home. The number of homeless people you're required to take in will depend on your home's size relative to your family's size. Each room will have two people in it, and any room that isn't a kitchen, bathroom, small utility room, or living room will be considered a bedroom. If you're a family of 4 with a 3 bedroom with a basement and dining room and an office, that's 6 bedrooms = 12 people you can take in two families of 4.