Sounds like the economic rationale to euthanize Wall Street.  All US citizens should send e-mails to their congressman and senators demanding that Fannie and Freddie should be taken off life support.  This will almost certainly be to your advantage unless your net worth exceeds $10,000,000.00.  It has the further advantage of starting the recovery instead of prolonging and intensifying the agony.

As the Dutch said while fighting the Spanish: "It is not necessary to have hope in order to persevere."