- Adult Baby
- Diaper Lover
All that said, I'm not sure things would have been significantly different without the bailouts. Some of the big names would've failed. So what? The man on the street would've been covered to a large degree by Deposit Insurance.
The man on the street's retirement fund was wrapped up in/full of the complex derivatives that relied on dodgy NINJA loans. So were a variety of pension funds and other sources of income. Sure, deposit insurance protects checking/savings accounts, but people (like H3g3l) with substantial sums set aside in purportedly safe investment vehicles got hosed. Moreover, if the big banks had all gone tits up at once, the market would have had a sudden credit shortage/credit shock, which would have been detrimental to any small business that relies on invoices to order their supplies. The market relies on the provision of credit, and the sudden death of several major banks would have been catastrophic for our economic vitality.