We're with the Gov't, we're here to help.

PSYCH!! Time to repay back that money we gave you to rebuild your lives because we screwed up.

Here's my favorite line:

Brann pointed out that 5,000 collections cases would represent a 4-percent error rate for the Road Home that is "quite good for large federal programs."

But a less than 1% error rate is enough for large federal programs to indict private citizens as being "willful".