Spend It While You've Got It

In an unprecedented way of thinking for me, it's time to splurge. I'm accepting this point of view as someone who's always saved, ostensibly for the future. Well the future is now and fiscal responsibility and living within my means has not gotten me nearly as far as I thought it would. In fact, I'm seeing the monetary system I've willfully participated in has far fewer rewards than I EVER could have imagined. Apparently the economic recovery is for people who declare bankruptcy and spend money like water. I assume it's always been this way because the government is trying to get banks to start making loans AGAIN. How many times must you touch a hot stove before you believe it's hot? I'm going to try to be a fiscally bigger asshole but I'm fighting through decades of believing my credit rating was some kind of reflection, at least in part, of my worth as an American. Another HUGE example of "Boy, was I wrong." in my penny pinching face.

Bailout

Here's my idea for the bailout. Every homeowner gets at least 3% off their existing mortgage for their primary residence. More if you have a compelling story and are a creative writer. If you own more than that, you're on your own with those. It seems that they want to discourage fraudulent mortgage holders and I'm not sure why this wouldn't work. It seems abundantly clear to me that giving banks more money isn't going to help individual Americans. Instead of giving banks more money, how about getting off the backs of the consumers? More money is being printed? I'm not feeling financial relief. Should I hang out and wait? Refinancing now is stupid because the costs of setting up & executing could cost as much as you'd save. It's the fucking wild west right now in the mortgage market. NO ONE knows what's going on, what to do, or how to handle panic. Banks are turning this into a country of losers.

Now, if I could just figure out how to tell someone who can do something about my plan, so they can officially tell me why it can't be done.