The Obama administration will announce today a plan to reduce home foreclosures, by expanding an existing program to keep people in their homes. The government seems to have forgotten that the banks don't' lend their own money to borrowers. They loan the money that their depositors have placed into their trust or the money that they have borrowed from other banks, of the fiat money that the Fed has simply created for them. So, if the government plans to stop foreclosures, it will be taking money from the banks' depositors and creditors. Such takings are prohibited under the Fifth Amendment to the Constitution. When Minnesota banned all foreclosures in 1934, and the US Supreme Court upheld the ban, many folks just stopped paying their mortgages to Minnesota banks, and many Minnesota banks went out of business as a result.