why doesn't the gov't require banks to lower rates for those of us that are still making payments on time? I am feeling the pain of a slower economy, my income is dropping, yet I did not try to make the quick, easy buck and over extend myself. I know many people who are using their savings to survive. shouldn't we be awarded for not letting our homes go back to these banks? I know i'm now underwater but love where I am living. Simply requiring banks to drop all interest rates to 3-4%, even if for only a 5 year term, will allow us to keep spending and try to spark the economy. thanks for your time.