There will always be reasoning for the bailouts. "We can't let the banks fail because that means they'll stop giving out loans to small businesses and homeowner

There will always be reasoning for the bailouts. "We can't let the banks fail because that means they'll stop giving out loans to small businesses and homeowners." There was reasoning in 2008. The difference is now there's no expectation of them paying it back. It's not a loan, its just sitting on the balance sheet of the Fed. Banks may buy them back later, but its always at an advantage since its completely voluntary. There were additional measures for direct payments and loans for small businesses. This was very targeted to prop up the balance sheet of large banks. You see shady stuff like this all the time. Is there a reason mortgage rates are pushing 5% but savings accounts at places like Bank of America are paying literally 0.01%?