The people who have these affordable mortgages are TAXPAYERS as well. It is not a BAIL OUT. Most were told that they would have a fixed rate only to be given an adjustable rate at closing. If you want to blame someone, blame the loan companies and banks..they are the sharks. THese are people trying to provide homes for their families just like the rest of us are. What makes you think you are any better? You could get sick, get laid off, get fired; spouse could die and you could not pay your mortgage...bet you would welcome some assistance! Well that is all people with high interest rate loans want!