I wish I were smart enough to understand them all.

I like this one though — the Wright plan:

…to let any American with a mortgage swap it out for a government one at 7% for up to 50 years (to get the monthly payment down to where the borrower can handle it). The Treasury will pay off the existing mortgage with bonds (which it can sell cheap right now). If a borrower wants to default instead s/he can do so, and then the lender can mortgage the property on the above terms.

Much better because the aid goes to the homeowners first, where the trouble began.