Fixing the Economy

I am in no way a political exspert or a financial guru, but it seems to me if the government really wanted to stimulate the economy why couldnt they just go across the boards and anyone with a mortgage that wanted to, give them a 30 or 40 yr fixed rate loan at or around 3 or 4%? This would significantly lower many of the payments and solve the "bad" loan crisis that is hurting a lot of the homeowners and causing foreclosures. for instance if say homeowner "x" has a 300k dollar loan at 7.5%, and it was a 30 yr fixed to start, it would bring thier payment from around 2100 a mnth ( just principle and interest)  down to 1250 a mnth (P & I)..Thats calculated at 4% over 40 yrs,. the homeowner would save 850 dollars a mnth and the bank would start over with the loan which everyone knows the first 25+ yrs they will collect mostly all thier interest. It seems like a no brainer with a lot of the situations with these banks, but the greed factor of this country is what is bringing it down and is going to kill it!! Maybe the next blog will be about the raping the insurance companies gives to the population and the huge money they bring in each year, then cry and battle the public when they have a claim! Fellow Americans, Its high time we "lil" people stand up and be heard!!! This country is supposed to be "FOR THE PEOPLE, BY THE PEOPLE"   So why is it "the people" have no say anymore? In closing i ask you all two things, 1) What do you think the general population would do with an 850 dollar a mnth savings? and 2)  How do we remove ourselves out from under the thumb of these greed mongers who are oppressing our fellow citizens and making the rules to suit thier needs?