The problem that has caused the melt down in the financial community clearly rests with republicans, democrats, and the financial community itself. Banking and financial leaders approved these idiotic"creative financing instruments". Instead of either limiting the amount someone with limited income could borrow or extending the length of the note to offset the absent down payment; they created instruments that would eventually double and triple the monthly payment to those least able to afford the increase. Just how does such a plan guarantee repayment of the debt? It doesn't, but then that has always been the logic used by most loan sharks. Where was our congress and our presidents when the optimistic and starry eyed buyers were offered these terms? Are we suppose to be impressed that our government worried about the short term rates charged by check cashing companies but not the long term rates built into these instruments by the more powerful financial institutions? If this proposed bail out doesn't include the removal of the those responsible for this as well as the oversight and protections needed to prevent it in the future then it isn't a bail out, it's just larceny on a truly grand scale.