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You buy a house you can't afford = lose the house, no gov. help
You give a loan to a person who can't afford it = lose the loan, no gov. help
You invest in companies who take a high risk (sub-prime loans, insurance): lose the investment, no gov. help
You are a huge company who hasn't innovated in decades or adapted to the times (GM, Chrysler, CitiBank) = go broke and break up the company, no gov. help
I didn't do any of these stupid things and I still have to pay for it. The people who made these stupid decisions aren't paying anymore than I am. Where is the accountability?
If there were REAL consequences, people would do less stupid things.