NEW OPTIONS - Two prospective anti-poverty programs government could implement to pre-emp a return of property bubblemania and reckless speculation

None of the preceding amounts to rare insight, except perhaps, for this: my contention that it was point-of-pay inequity that laid the initial groundwork for the credit bubble and its subsequent collapse, and that it will do so again for another round of boom and bust if government does nothing to induce the private sector to correct the ongoing maldistribution of company pay. Not until late in 2009 did I begin to hear of others coming to the same general conclusion. My hope is that this line of thinking will gain more traction, not just among policymakers, but with those for whom it matters most - the ordinary working men and women of America who make up the bulk of the electorate.
Accordingly, the first option I would like to propose is a system of incentives I believe would go a long way toward incrementally fixing America's workplace pay inequities after the effects of the ongoing correction fade from the front pages of the nation's newspapers, so that, with the passage of time, people may find it easier to cover their many day-to-day expenses with what they earn, as opposed to relying on credit. (This may be a somewhat novel concept, I'll admit, to the staggering multitude who have known little else during their adult lives than being in a constantly revolving state of debt, just to survive.)
The strategy I envision would trade easy access to public capital for moderation within the pay structures of corporations. Through the use of mathematically controlled reciprocity, presumptuousness and avarice in the workplace, with respect to compensation psychology (and the disparities and social problems that follow) could be significantly tempered. Acting in concert with one another, these mathematical tools comprise a system that would integrate payroll graphs into the broader struggle to improve social equity in America.
In return for their participation, companies that signed on to participate in this effort would be afforded access to substantial capital assistance at far-below-market rates, in proportion to their accrued social equity performance scores and the size of their respective payrolls. These figures would be computed with each quarterly payroll report and added to an accrual account managed under government authority.

I call the proposed program Point-of-Pay Equity - POPE, for short.