That's the problem, though. I am no economist, but I have the impression that these repeated "rescue scenarios" just end up causing more and more irresponsible

That's the problem, though. I am no economist, but I have the impression that these repeated "rescue scenarios" just end up causing more and more irresponsible behavior, all the way from when it all started with Long Term Capital Management. Can you point out a single time where intervention to prevent a disaster after irresponsible money management has eventually resulted in more responsible economic behavior? In the end, something has to give.