What the fuck...

Earlier this month Bears and Stearns says they are going to go into solvency due to lack of funds based upon poor investment decisions. Within the same WEEK the government has a plan (money and resources) to back another investment bank, JP Morgan, to help 'buy' Bears and Stearns shares to 'help' keep the bank afloat. Three days is all it took for the government to come up with a plan to save a multi-billion dollar private business.
During this same period the government languishes on helping the average person keep from losing the home they live in, all because of the unscrupulous practices of banks like Bears and Stearns. B and S bought into what is known as sub-prime mortgages, which were mortgages made to home buyers that have less than perfect credit with little or no money down. Usually these loans are seen as attractive to banks because they expect the borrower to default on the loan and the bank collects a house for a few thousand dollars and is able to re-sell the property for many thousands of dollars. The current problem is that there are too many houses and loans in the same predicament, causing a lack in payments and an over saturated housing market in which the homes are unsellable.
We as a people rely on the lending institutions to guide us through the process of home ownership and to let us know if we are financially viable to buy a home. That is there job, I know some people will think that it was the home buyers responsibility to make that call, but that is simply not the case. Do we expect a child to know the difference between right or wrong, without the parents input? Of course not. We rely on the judgment of the banks to direct us on the loan process. The banks got greedy and we the people are going to pay for that, by losing our homes and with our tax dollars.
What the fuck?