DISAPPOINTING - Fannie, Freddie & Bankruptcy

There has been little success with the money allocated by Congress, through HAMP, to help fix the mortgage crisis. Very few people having trouble with their mortgages have received any relief of any kind.  No reduction in interest rates, no reduction in the mortgage amount etc. etc. etc.  Now there's been an investigation launched to examine why the two giant government created entities seem to be unresponsive and has adopted new rules that make it even harder to obtain help.  According to everything I've read the general consensus is that fixing a mortgage for a consumer hurts the profit margin of Fannie and Freddie. 
What makes the problem worse is that a Bankruptcy Judge has no authority to do anything with a mortgage on your principal residence in a Chapter 13 or a personal Chapter 11, except to allow for a cure of the past due amount plus the attending fees leading up to the attempt to foreclose.  If one has a mortgage on an apartment complex, office building, manufacturing plant, vacation home or any other type of real estate a Bankruptcy Judge in a Chapter 11 can change the interest, redo the amortization period and if the property is underwater (worth less than the debt) reduce the amount of the mortgage to equal the value of the property.  For the life of me I cannot see any difference between a mortgage on a home and a mortgage on any other piece of real estate. Why should an apartment owner have more clout than a homeowner? 
I am beginning to wonder if there is a complete disconnect between the federal government and the average consumer that is having trouble with their mortgage.  There are multiple ways to fix this problem  -- most of which seem to be always below the radar.  On the other hand those 'fixes' that have been proposed and passed into law have a slim chance of granting the relief they were designed to give.