Banks talking to U.S. about TARP repayments: official

Wouldn't it be nice if the bank told us, "we think your mortgage payment is too high for you to pay and remain financially solvent, please keep your money"? That's how ridiculous this sounds to me. Banks talking to U.S. about TARP repayments: official: "The banks that are asking to repay TARP funds are among the 19 institutions that submitted to government stress tests to determine their ability to withstand a sharp economic downturn, the official said."