I agree with all this, but at the same time, It will cost more to forclose, sell the house and take a loss on the home when the bank resells it for a serious loss, then at the same time have to eat the 125% home equity loan they gave out on top of that. I'm not saying this because I NEED HELP !! It is because of the layoffs and unemployment, The compitition in the workplace, downscaleing company's, loss of insurance,rediculous property taxes, rising cost of raising children, lack of retirement. Once again I say it would be nice for the middle class to get a break for once. We are the ones making all this work ! Not bailed out, Just tired of being stroked on every angle !! This next generation of kids with NO work ethic, who expect everything given to them are gonna be the ones paying MY social security I'm fucked !! This generation will be the first to have nothing to will or leave thier children when they die, No home to split up and sell between the children, No saving bonds and also the first generation to NOT live better than thier parents did.