Home crisis

I wonder if the government could force lenders to forgive late fees and set home owners up with new intres rates that are fixed and not bad for the home owners who need it. Over look credit and start the owners who already have a mortgage that are in a struggle get on tract. It would help out everyone because the owner will not lose there home owner ship, The lender will not have to short sale or foreclose and lose all that money that ends up being a lot of money and it would help the home owners who are doing good because they will not have the large amount of foreclosure effecting the value of there investment. Also lenders could have hassle free help for owners who just seem to make wrong decisions. Some people will say it's there fault for making wrong decisions which it very much looks that way but when some people repeat and continue do make wrong decisions it may be a little more then that it could be a illness or a brain miss fire and they need help or some sort of guidance. I may be all wrong and it may be an idea that most will find to be dumb. But in just about every case for people who get behind it is  a snow ball effect that gets bigger and bigger. Any lender or debit collectors answer is to add late fees well the snow ball just got even bigger and now that bill may get paid but with the late fee it made another bill late so it will now have a late fee. This may help some and some will just do better for a while then head back down the road they were on, but others will do what ever they can to keep there self together if they just had some help other then when will you pay they may pull threw. I may sound elementary for I am a Realtor and not any way a writer it was just a thought I had in one step towards a solution of many needed ones