Solve the Credit Crisis With No Bailout

We're in trouble. Although markets and Wall Street institutions are melting down (with the occasional bounce back), the central issue is the real economy, that is, Main Street. With banks and others holding mortgage-backed securities of unknown and sometimes dubious value, credit has evaporated. Banks won't loan to each other or others because they don't know each others' real worth. Companies that need to borrow to expand, or just not contract, start having trouble getting loans. Everyone wants clearly valued collateral, which is hard to come by when you don't know what something's worth.