You might want to hold off on that statement. This isn't over yet. Also, is your stance that if the majority don't do it then there's no incentive to be risky

You might want to hold off on that statement. This isn't over yet. Also, is your stance that if the majority don't do it then there's no incentive to be risky like these failed banks? What happens if the government continues the trend of bailing them out? Do you think maybe banks will start to see a pattern and start changing investments?