how about a rebate to all mortgage payers that would be a percentage of the interest that they paid over the years, and also it would gather 'interest' so if it was interest from 30 years ago it would be a bigger rebate than if it was interest from 15 years ago . . .
that way it would be only those who actually were in the system paying the outragous cost of the over head of all that bloat and phat . . . that get the rebate.
just a thought.
the problem is all the unfunded pension liabilities, as well. and the swapping of debt for credit, credit for debt, should proceed with items being cross off of ledgers in even amounts: debts owed, credits due.
because some end up with just credits and some with just debts, but most hold both.