I got 2,000,000 homeowners who unanimously decided that the FED is going to pay off their mortgage for them. :-)
Welcome to the US where incompetence is rewarded by the federal government, and competent people get screwed; stupid people at the top make all the money and the smart capable people at the bottom get table scraps and maybe keep their jobs.
Do like me; don't buy that $30,000 car (which one isn't 30k today) or that 5 billion dollar house (that is really only worth 20k) and retire; one less competent person slaving away to support the upper level incompetent inbred blue blood class. When they really need you, make sure they pay cash or gold up front!