We Don't Need Any Stinkin' Mortgages

AITOOW sick of the banks not lending because they have no incentive to take on any risk? This occurs because the government is using them to float its debt by keeping the Fed rate at zero? Banks can borrow an unlimited amount of money and buy Treasuries at a greater yield than their borrowing costs (once agin zero points). It's a guaranteed bonanza and another way the government is surreptiously backstopping the banks. However, there is not even a hint of trickle down in this form of Uber-Reaganomics. I thought the Dems thought trickle down was a con? How exactly are home sales supposed to heal if you have to have a buyer who can pay in cash?