No subject

mortgage under one owner (Uncle Sam) you can re-negotiate the mortgage
without totally abandoning contract law - so the agency created to
manage this 700B, will be able to "reschedule" the mortgage with a
stressed home owner - which can't be done today, because nobody can
find all the parties to the contract, let alone get them all to agree.

That's not to say there aren't real, large institutional crooks who
are trying to run as many Americans as far into debt as possible - you
know, just like the ethics of the RIAA.