I can't afford the new interest which has my house payment TRIPLE what it was when I bought it

Why did you use an adjustable rate loan? Fixed rate loans have floated between 5% and 6% for years. Those are historic lows.

But if the banks were forced to accept a strait 5% interest rate on all mortgage loans

What about the people who bought a much smaller house and/or paid a lot of extra money so that they could have a 5% fixed mortgage rate?

Lowering interest rates == Giving free money to irresponsible people.

There's a huge class of responsible people who are working hard and making ends meet. I see them walking away from their mortgages in mass if others are rewarded for their foolishness.