In principle, banks should be attracted to the proposal, because restructured loans are less likely to default. In practice, the banks have consistently dragged their feet on mortgage restructuring – and are laying off staff, rather than hiring people who could help them deal with an initiative of the required scale.
菲尔德斯坦方案的关键是银行必须同意；这是一种自愿而不是法律强制的债务重组。从原理上看，该方案对银行是有吸引力的，因为重组后的贷款违约可能性更小了。但在实践中，银行在抵押贷款重组业务上踯躇不前，不但没有雇佣发起所需规模所需要的人手，反而还在裁员。