Mortgage help, why cant they?

I wonder why they dont have a plan to help EVERY homeowner. why not make it a mandatory 4% interest,,,no fees for closing or refinancing and make it for everyone. dont just reduce the ones that are in foreclosure,,,help everyone. im keeping my head above water for now,,,but what happens next year,,,or 2 years from now,,,,who will help me then.

seems a smarter plan would be to make it easier to get the lower rates, and make it available to every homeowner. every time i try and do research on refinancing for a lower rate,,,i find all the fees and closing costs associated with it , that i can NOT afford,,and i would NOT want to add them to the new mortgage, kinda defeats the purpose. make it uniform and make it simple. why does it always have to be complicated and hard to figure it out.