I am glad that they shot down that bill. I disagreed with the idea of bailing out banks. Remember few years ago, banks wants sweeping bankruptcy laws so that average people won't get away. Now that they are asking us for bail out so that they can get away? This is not right.
Secondly, bank got careless with mortgage by tricking millions of innocent customer into unfavorable subprime mortgage including poisonious Interest only mortgage (Pick your payment), and ARM, these kinds of loans are very dangerous and they took the risk, now stuck with too many borrower not able to pay back because of this, should we help banks cover up their mistake and kick these innocent mortgage holder out of their homes(Foreclosure)? I don't think so!
Banks made too many mistakes, they are the one who is responsible for these messes, I hail those who voted down on bail out!
Even though this may lead to Great Depression II, and to my surprise the history actually repeats! Today is much like back in October 1928 where banks got careless and lend too much money to greedy stock brokers who thinks they could profit by invest stocks, BIG BIG BIG mistakes for banks, which resulting the great depression. Now Banks are making the same mistakes but with mortgage brokers!
Again funny thing is that back then FDR whose beat Hoover, do you have any idea whats difference between FDR and any other candidates? It is disability, FDR is the only US presidents with disability, just think this way, Obama is also different than the rest of candidates, he may be the first black president, and I could easily predict huge changes in government if ever Obama gets elected, then history is going to repeat!
History can be interesting if carefully studied them.
Finally, let Banks go south and learn their lesson not to trust any greedy brokers.