Would you also agree that it can be applied to many situations outside of home loans? I've read some of your posts on other boards and it's clear you have no tolerance for those on welfare, collecting unemployment, or receipients of food stamps. Perhaps you need to get into those trenches and learn their situations, to build some empathy and understanding.

The downfall of America began with the New Deal. The New Deal was a series of economic programs enacted in the United States between 1933 and 1936. They involved presidential executive orders or laws passed by Congress during the first term of President Franklin D. Roosevelt. The programs were in response to the Great Depression, and focused on what historians call the "3 Rs": Relief, Recovery, and Reform. That is, Relief for the unemployed and poor; Recovery of the economy to normal levels; and Reform of the financial system to prevent a repeat depression.

But the Dems didn't think it through, did they? Math always wins. There were only 1.75 full-time private-sector workers in the United States last year for each person receiving benefits from Social Security, according to data from the Bureau of Labor Statistics and the Social Security board of trustees.

According to the Social Security board of trustees, there were 41.9 "covered workers" per Social Security beneficiary in 1945.

Back to HARP loans. If banks, as quid pro quo for being bailed out, had been forced to refinance anyone who qualified (meaning, current on their payments) to historic low interest rates, the resulting improvement to the household cash flow of millions of Americans would have bailed us out of the recession, which is ongoing to this day.