Ideas for Solutions to the Financial Crisis

We need lots of good ideas to solve this crisis. We can't rush against an arbitrary deadline. I have no financial background... Here are some ideas.

Make it illegal for the highest paid employee to make more than 40x what the lowest paid employee makes. This includes all bonuses and benefits.

Pass a law that all ARM loans are reset to their initial rate, so that people with loans can continue to pay what they can afford.

Create an educational program which drops the current curriculum for high school students in their Junior and Senior year and replace it with a vocational program. They will each manager a handful of failed loans in their area. They will work out a fair deal with the loan recipients, monitor their payments, and ensure that they are trying to repay their loan in good faith. They will get deep training in finance, customer service, and recent US history.

We should all chip in and create a distributed loan bailout company to compete with the US government, to ensure that G.W. and pals don't line their pockets with our future. This corporation would focus on keeping people in their homes and stabilizing banks. It would only bid on health loans. We could call it Washington Mutual or like Internet Mutual, since WaMu is taken.

These are some possibly very bad ideas, but we need more ideas and to not rush to let the federal government solve this problem for us. We should work this one out ourselves. We've seen how well we can rely on the federal government and I don't want G.W. as my landlord.