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The reason government officials can't find an "easy answer" is because government should have NO ROLE in this matter in the first place. It is a legal transaction between a willing lender and a fully informed borrower. Period. If you closely scrutinize the lifestyles and decisions of most borrowers, it's very likely that there were numerous bad decisions along the way that led them to their prevaiilng financial struggles. Unless borrowers are coerced or defrauded, however, government has absolutely no role here.
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