Here are some ideas on what to say:

"I encourage [NAME] to stand firm against providing Federal (or State) assistance to those having trouble paying their mortgage. I have made sound financial decisions and opted not to live beyond my means. Home affordability is at an all time low in our area. By bailing out those in trouble, you prolong this affordability crisis, and interfere with the market returning to normal. Please don't lock me out forever."

"My tax dollars should not be used to bail out lenders and borrowers; the very two parties responsible for my inability to purchase a home when my household income is far beyond average."