Your home was your ATM. At least that what Alan Greenspan thinks. A new paper, co-authored by Greenspan and issued by the Fed suggest that consumers accessed over $11 trillion in "free Money" courtesy of the run-up of home prices. Continuous refinancing allowed consumers to continue to spend even in the face of stagnant real income. I agree. That's a lot of money, and it propped up an economy that has basically gone nowhere for six years. Now, the ATM is closed, out of cash for most Americans and that's bad news for the economy. More importantly, the re-opening date for this particular bank is stretching further into the future as the housing slump proves to be more prolonged than expected. Right now, there are two types of forecasters out there: the mildly pessimistic and the very pessimistic.