Care, Glock knows nothing about fannie and freddie, he demonstrated that in another thread. I'm not sure what to think of your solution as the goal is to get money to people in need but often the result is far from sensible. Read Galbraith's book on bubbles, fascinating stuff that never seems to stop.
[ame=http://www.amazon.com/gp/reader/0140238565/ref=sib_dp_pt#reader-link]Amazon Online Reader : A Short History of Financial Euphoria (Whittle)[/ame]
[ame=http://www.amazon.com/gp/reader/0140238565/ref=sib_dp_pt#reader-link]Amazon Online Reader : A Short History of Financial Euphoria (Whittle)[/ame]