Hm, giving everyone who holds a mortgage - who earns less than $100k per person or $200k per household, for a home they live in - some $5000 - $10,000 would be huge. People have to apply, and the money is sent directly to the bank to pay down the loan. To receive the money, the bank then must negotiate to non-usuristic rates and terms (as described by the feds).

Viola! This would save homes, free up billions of buckies, and not be a black hole for money like the current plan.

Plus, dude, what home-owning taxpayer would be against that? Oh, right: the rich and the moralists. Pshaw. As if the bankers are moral in any way.