Bobert - If you were going to clean up the mortgage mess, how would you go about it? Some people find themselves in foreclosure because they were greedy themselves, others are simply victims of circumstance.
                   Others are staying out of foreclosure by making super-human efforts to pay their obligations. If the government helps some people, this last group kind of becomes a victim class themselves.
                   I think you're basically right, that it would do the most good to start at the bottom of the food-chain, but how could it be done?