Help! Mr. Chesterton!

OK, OK, it's "Help, Mr. Wizard!"
Where are they when you need them?
This NYT article just begs the question (or call for help):

Questions, and Hope, on Plans for Mortgage Giants

For months, the questions hanging over Fannie Mae and Freddie Mac, the beleaguered mortgage giants, have unnerved Wall Street and Main Street.

When we are reduced to speaking of hope for big companies, and how they are beleaguered, rather than of hope for the beleaguered John Smith and Angela Jones, then we have forgotten who really needs help.