You miss the main point: your proposed restructuring would be ILLEGAL. 8 jurors in Judge Lamberth's court found NWS wasn't executed in good faith. Poof! There goes the Senior Preferred Shares.
All the proof needed to refute you is you are never right on ANY prediction and you're so immature you actually need your father to restructure your signature loans on his dime because you can't afford them.... You are in no position to give anyone advice..
Recently you've smartened up not to post your financial dilemmas since we see them and can make assessments on your "advice"...
Grow up, Bradturd. Accept the fact that you have no special insight into Fannie and Freddie. Accept the fact that your guess, theory, prediction, etc. are equally valid as anyone else's. Accept the fact that your batting average is near 0%. Right about what you claim common is worth - that's what you're worth. Go figure....