Here we go again! I am one of those people and I'm telling you now doing this will solve nothing. You people should stop trying to give everybody an easy way out, IT WON'T STOP THE PROBLEM! I am surprised that any of you think this would help anyone? Why is it when people can't do for themselves the government thinks they should force someone to take care of them? I have this problem and can tell you that it's no ones fault but my own. Should banks treat people fairly, sure they should, but this country wasn't built on that WEAK crap your trying to sell. YOu support a party that would put you under the thumb of government without thought for you freedoms. It will start easy, things like this, but that never last. Inevitably some crazy leader takes control, like Venezuela and starts killing people. You want to be responsible for that 10- 20 years down the road when your children are the ones to die? They will blame YOU and rightfully so, I would rather live in a third world America than live under any authoritarian governmental system!