If you change what time people go to work from 8 am to 9 am then you will also be changing when they get home from 5pm to 6pm. Then you have lost that extra daylight in the evening, which was the entire point of the time change!
According to statista.com 5.2 million homes were sold in the US in 2007. Do you seriously believe that 30%+ of these sales were intended as investment only? Even if that were true it would have been more ethical to bail out the home buyers than the banks themselves. The majority of people who lost their homes ended up over their heads through no fault of their own.