It's important to understand that FHA does not lend the money on an FHA type home loan. The mortgage lending institutions lend out the money on an FHA home loan. Based on a certain set of restrictions, FHA will insure the home loan, and offers a much more competitive interest rate for less than perfect borrowers.
You have a great attitude towards the situation, however I think we are all a victim of passing the buck. No one wants to take any responsiblity for the current real estate slide, and mortgage debacle, so few want to work together.