Kinda like you thought that by signing up on FR, that it made you a real political 'genius', eh? LOL
It's not meant to fix the economy, it's meant to keep some sort of credit available so people can buy food and gas and maybe stay employed.
People are over leveraged to the point that their signatures and word is worthless; just remember, government didn't put a gun to their heads to buy $50,000 cars and $500,000 houses at the same time leveraging themselves into a negative savings rate.
Now they can't pay what they owe back, banks are on the verge of collapse; blame the greed of the American people if you want to blame anyone.
The government is merely trying to keep the institutions alive the American gluttons use because they thought money was free. They thought they were financial geniuses because they could sign loan papers.