Too Big to Jail? Will the Fed actually offer alleged foreclosure related law breakers a chance to pay fines to avoid potential criminal charges?

Is the entire Foreclosure controversy going to result in the Fed deciding that the amount of people involved in illegal activity is so massive, that as a group they are too big to jail?

Is it also possible that government agencies themselves forced the banks and mortgage servicers to accelerate their foreclosure activity, and would rather have everybody pay a fine then have this rush to foreclose information come out in a court of law transcript?

If the government chooses to offer fines as a way out of lawlessness, what will they do for the hundreds of thousands, perhaps into the millions of homeowners who have already been irrevocably harmed? What will be done to actually change the entire process in such a way as to not motivate the loan servicers, investors, and banksters to not want to foreclose on a home in the future?

Is Barack Obama going to have the mettle to go after the very core group of financial industries that gave handsomely to his campaign in 2008? Will the republican politicians, who never met a bankster they did not like, have any appetite to actually prosecute anybody from wall street?

I am advocating that the rules regarding the homeowner's down payment be changed. It seems that the down payment is being immediately sucked up by money grubbing vampire bankster suckers, who then get bored with tending to the actual mortgage and instead scheme of ways to exponentially increase the "value" of what is nothing more than a home on main street.

If foreclosure meant that a significant portion of the down payment, say 75%, went back to the homeowner (along with any gained equity) as a down payment rebate, would not the banks try harder to work something out with the homeowner? Even if it meant just letting the homeowner run through a significant portion of their 75% of the down payment as ongoing monthly payments, this would still give the homeowner some type of leverage, AND, IT WAS THE HOMEOWNER'S MONEY to begin with.

It seems to me that it should not become the banks money, or the investors money, or anybody else we don't know about, until the mortgage is actually paid off.