But the banks could solve it tomorrow and that is the idea of the Treasury/Fed forcing the banks to borrow money from the Fed and put it out on the street (or else....).
So you want the banks to be forced to lend taxpayers money to people without good credit and a sizeable down payment. You do understand, don't you, that this is exactly what caused the financial crisis in the first place?
That’s thinking like the banks. All of a sudden, EVERYone has bad credit and is not worth lending to, despite the fact that 95% of us pay our bills on time.