first and foremost instead of giving all this money to the financial institutions where we will never see it again, the money should be used to sat up a fund for the taxpayer. Now this money should be used to offer all US taxpayers a government loan in the amount sufficient for each of their credit card, mortgage, auto loans payed off with strict guidelines to ensure that the loans are paid in full and closed. Now these loans should or could be low to no interest with option of payroll deductions, income tax surrenders at tax time to offset the balance owed sooner with the proceeds at such a time going straight to the principle instead of interest. After that it would reset all financial institutions to a zero balanced sheet and in most instances in the black. Now it is very much possible for the federal government to know an individuals accounts and the funds could be wired into the accounts not even touching the hands of the loan holder, therefore reducing the chance of fraud and misuse. As it is now the institutions are double dipping taking the money from the government for sour loans and still harassing the loans holders for their payments, this would stop the problem from all points. Now it would not be necessary for the taxpayer to have any extra money just enough literally cover all existing loans for said taxpayer. The taxpayer would then have all the income freed up from making the loan or card payment to reinvest in this great country. I hope that this current situation will have influenced everyone enough that they would in the future be much more responsible, including myself, with their future. After everything is said and done the taxpayer would be have more than enough capital to quickly pay off these low to no interest loans with incentives added for early pay off the federal government would have more than enough to function with the taxes already in place and I am sure more to come; and the loans payments come in every month from every tax paying citizen in the country, wow our coffers would be overflowing again. The old testament called it a Jubilee year where all debts were forgiven and criminal pardoned. Please give me your ideas on how you would solve the current crisis and help return this country to the most prosperous in the world.