Bank Bailouts or Regulation

I don't know about you, but. I don't understand much about the debate over proposed regulations over banking and the so-called shadow-banks, but one thing is for sure. That is, we need to make sure these jokers don't hold us up again. I feel like somebody walked into the government wearing a mask and carrying a gun and a very very big paper bag and said give us all your money. When they took off their masks, it was the big bankers and Wall Street types. Ya know, there's an old saying "If they do it to you once, shame on them. If they do it to you again, shame on you". Well, they did it to us once, hmm, actually this isn't the first time. Think back. There was the Great Depression and the Savings and Loan debacle. So this is the third time. One of these days we should get our act together, think a little bit, and then put some strong legislation together and even stronger oversight for them, to protect ourselves. Stifle business? How about stifling monkey business. Since when is it OK for these folks to make millions on risky deals using our money and when the deals go south, call up uncle Sam and ask to be pulled out of the frying pan. We loose the money, but they get to keep theirs'? If it's OK to make millions using our money, then it should be OK for us to have somebody looking over their shoulder. So, let's take the strongest parts of the Democrats' plan and the strongest parts of the Republicans' plan, put them together and tell the bankers to like it or don't. Does anyone think they'll stop wanting to make money?