Your brain isn't working too well today. Try reading the original comment that you replied to. Centralized misallocation of public resources is the root cause.

Your brain isn't working too well today. Try reading the original comment that you replied to. Centralized misallocation of public resources is the root cause. The banks took insane risk only because they knew they would be bailed out by taxpayers money, which is a forced redistribution/misallocation of public resources.