Solution to Housing Mess & Economic Problems

I dont know but this is my 2 cents game plan to get the economy back on track...First thing the government would need to do is open up those battered places for commercial purpose...redraw the city plan and spur up growth by giving tax incentives to open up new companies, so that the land value goes up and people would start settling down in these places. Either the bank can give the spaces on rent and who says that IT companies cannot be run from within houses when great companies started from garages. When things start rolling fine, all these bad debts may be wiped out as things will look rosy. When jobs sprout up, people feel safer and will loosen their purse to buy more things which in turn crank up money flow into other industries which in turn will keep and create jobs. If only someone comes up with better ideas to stem the rot and reverse the falling economy