I thought Bear Stearns going under was exposing a crack. Same for New Century Financial Corp. declaring bancrupcy. Is this going to end with similar results as

I thought Bear Stearns going under was exposing a crack. Same for New Century Financial Corp. declaring bancrupcy. Is this going to end with similar results as 2018 by affecting the whole financial system? If yes I hope there will be no bailouts using public money and the financial system will start to be properly regulated and supervised.