I feel for those people who got caught in the subprime mortgage mess, which then triggered our economic problems, but they should have known better than to get involved with adjustable-rate mortgages.
Of course, Congress started it by forcing lenders to make those mortgages available to people who were not really qualified for the loan. And now we are supposed to trust Congress to fix the mess that it started?
When government gets involved, the costs go up and the results are worse. The free enterprise system works best.