Would we Americans benefit?

Would Americans be better off to share in the 700 billion dollar package to stimulate the economy. Why give the money back to the greedy people who helped create this economic problem? I read an article about a lady from Boston who lost her home. The story goes that she was single, black and had 3 children. She bought her "dream home" by borrowing the down payment and borrowing to buy the house. Her combined mortgages were, I believe, $4,000. She, unfortunatley lost her job, and had to forclose on her home. If people were not in a secure job, why did they do this? To me that is a high 6 figure income yearly to support that kind of payment with all the other expenses. If the people who borrowed money from these banks and lending companies did not foresee any change in their income, why would they be so gullible to fall for such a scam? I understand the concept to have the "American Dream", but to not be in a position that you know is not going to change, why do it? I just don't understand the way people think sometimes.