Good idea, but I am not sure I would know exactly how to go about it, either.

For one thing, the higher price of oil translated into higher prices of food and of goods of all sorts, so the homeowner got hit in many ways.

Also, it seems like there is sort of a multiplier effect as payments work their way through the system. The money a homeowner spends on oil products goes to a significant extent to pay foreign producers of that oil. If the homeowners had spent the money on their mortgage, this money would have gone to pay various employees of the mortgage company and holders of the debt, and they might have bought some additional products as well. This additional money would have helped the economy, over and above the original impact.