Philanthropic donations from the US Department of the Treasury to the equally generous NC Foreclosure Prevention Fund are available to help people stay in homes they can’t afford. Don’t whine and say this artificially inflates the cost of living, maintaining untenable costs for housing stock, because the funds are available for sympathy groups like veterans and the unemployed. Keeping the cost of housing high can create jobs for job trainers and job agents and also encourage governments to recruit large corporations that will create lots of high-paying jobs to pay for the expensive housing.