>I think we need to find a middle ground, where those who are willing to work to keep their homes and have appropriate incomes can get refinanced at some reasonable rates. I also think that the idiots who got us into this mess by giving loans to all sorts of people who shouldn't have had them should have to share in the pain.

They are sharing in the pain, as they've definitely lost a lot of money. I don't feel sorry for them, or think they should be bailed out, but they definitely suffered.