Remember the government is not to blame. No matter how many times you ask this question, no Realtor has the answer.
There is nothing wrong with wanting more, but in the end it is a person's personal responsibility, not the government's job to get more. If you have the money and income to buy a house, do it. If credit is the problem, understand that what got us into this mess in the first place is that people who had bad credit got loans that they weren't responsible enough to pay for, and now the market is tanking. Banks are going to be a bit leary of buyers with poor credit. Understand that they view your credit score as a measure of your ability to handle money, to them it has nothing to do with your savings or income position.