Had an idea yesterdayish. The government should allow people to withdraw from their 401k without penalty (not without taxes however) as long as it is used to pay down a mortgage. That way people that are under water can qualify for a refi. I know somebody that would like to refi but the bank says he would have to bring money to the table. Money he obviously doesn’t have, like many people. Another twist on the old axiom that you need money to make money.