You have a lot of friends in Congress. You paid them a lot of money to be your friends. But you know that if they start talking about passing a law that will give you a lot of taxpayer money to make up for your losses, voters might get angry and scare the representatives, who then may refuse to vote for your bill because they're worried about getting voted out of office.
What to do?
You can try to write a bill that is a bailout, but is disguised to appear to not be a bailout, something I call reverse legislating. You can make it look like you are taking a significant loss on the mortgage and that you are helping people keep their homes, but in reality job one is to unload toxic waste on the taxpayer.