Stimulus Plan

I have thought about the stimulus plan and it still seems to be in the favor of just a few people who caused this all to begin with. Why not offer to every home owner with a morgage on their primary residence upto $100,000.00 dollars paid on the loan. The money would not go to the home owner, but go to their morgage holder. The morgage holders and the home owner both are winners. Doesn't it make more since?