John B - millions are homeless, millions are trapped in unaffordability - they can not be sacrificed because a couple of your mates bought a home that they could not afford and might be out of pocket if prices fell.
Prices falling will not effect how much they owe - if they decided that they could afford it when they bought it then there is only a problem if they were hoping to sell for a higher price. If they are not looking to cash in on the home as a comodity but are looking to stay there as a place to live in - they've concluded that they can afford it, they've moved in and have a home. Where is the problem John B?
Where any genuine case of hardship was discovered it is within the ability of a government to assist. But this will be a minor cost compared to the cost to government of paying over the odds for housing now and in the future, let alone the price being paid by people for the same reasons.
But to suggest that the entire population and economy should be kept in a state of disaster to ameliate the effects on a few people who made bad financial choices is the real idiocy John B.