Despite use of the Troubled Asset Relief Program and economic stimulus, not enough people are buying homes because there is too much inventory, unemployment remains high and a small increase in foreclosures could put the banking system in danger again, writes Andy Kessler, author of "Grumby" and a former hedge fund manager. To fend off another crisis, the Federal Reserve needs to follow through on the original TARP and buy troubled assets directly from banks, Kessler argues. The government should also create a million visas for qualified immigrants who can purchase homes, and the economy needs to wait for consumer deleveraging, Kessler notes.

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