[freedude]

Perhaps, but perhaps the simplistic thinking is that the bailout changes anything. Are businesses which are trying to meet payroll now running a buffer in multiple banks? Are they securing the future of their employees by making sure they can meet payroll in an emergency? Probably not and as a result they didn't learn anything from the experience.

The truth is, this is the tip of the iceberg. Don't be sailing on the Titanic since you have been warned.