An Idea for Greece from the Peanut Gallery

I'm far from an economic expert, but I wonder if there is a way to invert pay-backs. What if Greece's loans were structured for five years in terms of stimulus, directed by economic experts outside the country, and the amount they had to pay back each year went from smaller to greater rather than greater to smaller, as the economy grew back?

Someone told me yesterday that of the money Greece is currently receiving, 90% is going back to the European banks... only 10% to Greece itself.