So, to recap: The country sinks into a massive recession, caused by a fraudulent, out-of-control, unwatched-over financial institutions and free-market wheeler-dealers. The rest of us suffer. Jobs vanish, pay cuts and furloughs reign, home values tank, foreclosures rise. Banks – still thriving, thanks to the bailout and unwavering access to cheap cash from the government – botch the federal programs intended to help people stay in their home or borrow for a business.