Housing, home values have risen, inflated with out reason for thirty years.  The reason for this was to boost banks bottom line, ie...if you hold a hundred thousand home loans that become more valuable every year and double every ten years your books look great.  That was the great banking/house bubble.

The way to even the playing field for home owners and to remove the huge black debt they so wanted until last year is simple; cut interest rates by one half and home values by one third.  The outcome would be a one time write off for American banks and more real cash, from your job, in your pocket.

But, as you know, Washington would rather have you lose everything then harm a banks false book keeping!

Casey