Our government rewards irresponsibility and punishes those who work hard, by, for just one example, promoting mortgage modification programs for seriously delinquent homeowners and not extending the same programs to those who have paid their mortgages faithfully.
Q: Who does that help?
A: It helps the banks - who can pretend delinquent mortgages on their books are still worth their face value. Extending the program to current borrowers would do nothing to benefit the banks - it would hurt them.
Nobody cares about rewarding or punishing borrowers - current or not. If the banks wanted every delinquent borrower in the USA executed tomorrow, the government would find some pretext to do it.
When you look at every Republican or Democrat plan by first asking the question: "How do the banks benefit?", our system of government becomes much easier to understand.