Well First I think you'd have to have a significant number of payers going delinquent. Which I don't foresee happening unless shyt really hits the fan.
But, for the sake of discussion - here is a solution;
Government will probably come in and "front" banks the value of all delinquent loans. Banks will have to pay the government back over the course of 5-8 years with a low, single-digit interest rate attached. Oh, and those with delinquent loans will still be on the hook to pay it off
Basically TARP 2.
Oh, and what do you mean by "u people"?