Prescription AdviceRepeat until understood: There already currently exists, in place, fully staffed and funded a huge interlocking set of government programs designed to grant relief from too much debt. It is called bankruptcy. To subvert or undermine either the terms or stigma associated with bankruptcy is to fundamentally abandon the principles of capitalism, sense of fair play and merchantistic honor system of taxation and commerce that have served our society so well. A FB or FL bailout abrogates the contract with the rest of us who played by the rules. Ultimately the is but one operative principle of government; Tax something, get less of it. Subsidize something, get more. Why on earth are we even considering subsidizing irresponsible lending/borrowing?