What banks are actually lending money right now?
NONE and the solution to the problem would be almost like a modern Tea Party. If every single person who owes money the any bank will stop paying the bill, I guess that will get their attention. I am sure that they will be able to be a player then and deal with the situation. It really does not matter if you are able or not to pay, but if all Americans stop paying, what do you think will happen. Banks will not have the ability to forclose everyone nor to Repossess every single item. Banks will be forced to be part of the solution.