because we say so
In his response, Gibbs insisted that the plan will not help people who acted irresponsibly.
“It won’t help somebody trying to flip a house. It won’t bail out an investor looking to make a quick buck,” Gibbs said. “It won’t help speculators that were betting on a risky market. And it is not going to help a lender who knowingly made a bad loan.”
I suspect that the Obama administration thinks that if they will something to be true, it will be. Dangerously naive.