Is NAR Just Proposing a Band-Aid Solution

After reading what NAR is proposing to stimulate our market it seems to me its just not enough.  Increasing the loan limits will help a few but the people who really need the help are not the jumbo loan homeowners, but the people who have mortgages that are below that guideline.  In my office the houses that we are doing short sales on are not the owners with the jumbo rate mortgages but the middle of the road homeowner.  The single mother who bought a home and was sold monthly mortgage payments that when it adjusted was more then she could pay.  Or the first time buyer who also was sold a mortgage that they could never pay.  I also read about a homeless woman who was given a loan to buy her very first home, a lone that she could never pay. Her only income was her disability check.  These are the people who need to be helped and I am sure they didn't have a lone over $417.00.  Why are we so worried about the jumbo mortgage holder and not the people who really need the help.