Mortgage Problem Help Would A Reverse ARM Be Helpful In Resolving The Subprime Mortgage Problem?

Would a reverse ARM be helpful in resolving the subprime mortgage problem? - mortgage problem help

The main problem seems to be that people defaulted on their mortgages, leading to exclusion and losses for banks.
What happens if the bank agrees to take 20% of the mortgage and loan interest in a third accruring account, mortgage payments on the balance of 80% at high interest rates, so that the owner of the house to make voluntary payments to pay 20% of interest rate benefit for the mortgage of 80%, it would make sense to hold these mortgages viable?
"This plan will prevent a taxpayer rescue of the financial system?