My Mortgage Payment isn't the Problem

Funny, but it used to be that your Monthly Mortgage Payment would be the "killer" payment that would ultimately "bust the budget!" Now, it's those other creepy / sneaky Property Taxes, Insurance (homeowners, flood, life, auto, medical, dental, etc), and Technology bills (cable & cell) that break your back! It seems every time your ready to get ahead of your monthly expenditures, there they are demanding your attention since they usually represent a substantial amount $$$.
When will it ever end, premiums that don't leave anything left over for those important items, like food for instance. Low interest rates have kept my Mortgage Payment reasonable, but I don't know if I can survive with those I N S U R A N C E and T A X increases to provide me with services and benefits that I don't seem to be able to get my "teeth into!"
I'm totally frustrated on this subject and I just can't stand it!

TREASURY "KEY" MARKETMAKER

Let me keep this very simple. Government TARP gave money to Banking & Financial Institutions by printing money from our US Treasury to enable them to stay solvent and begin lending money to businesses and consumers. The Banks are now stable because they received these billions and are in turn buying "treasury notes" with their surplus cash in mass which keeps interest low and not lending. Therefore banks having no obligation to offer attractive money market rates or CDs to their bank customers keep safe modest returns and get very wide profit margins from their outstanding business and consumer loans.
The Government and Treasury are continuing to stimulus Housing ($8,000) first time home buyers program and Auto Industry by ($4,500) cash for clunkers! They have also been busy buying into the Equity Market on the "qt"to instill confident.
Its now a game of what came first "the chicken or the egg" which no one knows or willing to admit?
Now we are way in uncharted waters!!