Carrier/rack problems of the 2000 Jeep Cherokee

As with many other xj owners, my cylinder head is cracked due to the defective 0331 head. I bought the Jeep about 3 years ago, and about a year ago coolant started leaking into the oil. I talked with several mechanic friends and the head fleet mechanic at work told me the cracked head is extremely common. I was stranded on the side of the road, had to have the vehicle towed, and it sits as a giant paperweight in my garage as I cannot afford a new engine. I bought the vehicle with 122000 miles and have never taken it off road, modified it, or traveled more than 60 miles in a day. It has never overheated until the head cracked. Now I am looking at an enormous bill that my family cannot afford. I fail to see how so many vehicles can be affected and there is still no recall.