As Kelleher points out, the United States has “more than 10 million homes under water” (the outstanding mortgage exceeds the house’s value). “Twenty billion dollars doesn’t make a dent in that: one million homes at $20,000 loan forgiveness is it.”
奥巴马政府及其盟友竭尽全力把这桩价值大约200亿美元的和解案包装成能给住房市场带来积极影响的案例。但事实说明了一切。正如凯勒赫所指出的，美国“至少有1 000万房子处于资不抵债状态”（即待缴按揭超过房屋价值）。“两百亿美金扔下去连响都不会响一声：100万套房子，每套贷款2万，就把这笔钱给吞了。”