I heard the same voice 5 years ago !!!!!

Think about it. Which companies could replace 2 Fs running for decades (70 years for fnma)?  That is not an easy thing to do. That is why nothing has not been done in the past 5 years by Congress and the government. Obamacare is a  failure example. 2F are much bigger than that. Do you know hom much money come to Freddie PE system every month?