Housing relief: Help, but for how many

People need to read all the loan documents prior to signing the loan documents. Ask questions & keep asking questions until you understand everything in the loan documents. In addition, on the very first & 2nd page of the loan document, it tells you what type of loan you are getting, fixed rate or ARM & if there's a balloon payment. Basically, you shouldn't be purchasing the property because you can not afford the payments that's why you had to get an ARM loan instead of a fixed rate loan. Getting an ARM loan knowing that you can not afford the payments when the loan resets is your fault (PERSONAL RESPONSIBILITY). Why should the taxpayers bail you out for your mistake?