If we want to bring the U.S. economy back to life we have to do it through the housing industry. But there's no way in hell housing is going to recover if banks are no longer even giving good loans to good and rightful people.
The big bankers and politicians co-produced the meltdown of the economy. They're the criminals, not the honest schoolteacher looking for a better interest rate on her mortgage.
If we're going to bring this country back, the Dodds and Franks of Washington are going to have to rewrite the laws so we can have personal relationships with local banks again.