Ah, I see what you mean by "simply".

Yeah, I guess there's definitely a ton of side effects depending on which way you go.

However, the optics of giving banks more "free" money at the expense of "the people" is not good regardless. I wonder what would happen if the government extends almost-free loans to whoever has a mortgage.

I imagine a lot of people would use it to pay it, but probably a ton more would just use it to get a bigger TV, a car or something similar.

No way to win either way it seems.