Finance-Loan Sharks or Banks

Lets talk finance.
So, there's a bank that collapsing. People pulling their money, the government salvaging their butts, and people complaining about losing money.
Guess what: you shouldn't have put you money into a stock with toxic actions. Yes, you may make money, but there is a chance for you to lose it all. It like investing in your little brothers porn shop. It could be good, but he may be a crappy business man and seriously unless related (though even if related), has no responsibility to pay you back. He doesn't make money, you don't. You didn't give you money with promises of money back, well maybe promises, but not real promises. It wasn't a loan, it was an invest with for an idea. So, don't complain. It's like the crash of the Internet stock. People, it wasn't worth crap and neither are these banks. Well, they should have been, but their stock sheets should have shown they were playing with risky money.
And Banks: you're dumb. People are dumb. Everyone wants more then they can handle money wise, and allowing them to get more money, with even less down is stupid. That is for the mob, who can beat the crap out of that scum. You can't. You have to take the dumb-ars loss. Why should the government allow you to keep giving money to people who really don't need it.
Back to People: This housing thing. Seriously, do you need a six bedroom mansion you can't afford. See, we know you didn't need that hot-tub, even if it is six dollars a day. So, why do you need a mansion. My madness goes back to the ABC/NBC/FOX news presentation about this women who wants to buy a 2nd house, and gets denied the loan for the property. Now, who in this time needs a 2nd house. If you need a loan for a 2nd house, don't get it. Don't keep up with the Jones. Seriously, she isn't living in that 2nd house, and she'll be more likely to defaults on that loans, who gets the house-the bank. And what doesn't the bank need, another pointless house. Seriously, half of the banks assets are houses, and what is happening to that assets-going down, b/c like the Internet, houses were way over worth, and at some point so is the stock market. It's like in 2000 and the Internet, people keep putting money into something, and expecting more money to pop out of thing air. Nobody want the put a dollar in and get 4 quarters. They want 5 or even 10 quarters, and seriously, this was a change machine, so at some point, it was going to run out of change and still be short the needed dollars.
Maybe I want the government to say, scrue you, lets get ready for a depression. Or at worse a recession. We are dumb, dumb people, and have not grow up an inch since the last depression. See, people from the depression are dead, and anyone who remembers it, really doesn't remember much. And all we expect is good times, good money, and an open head for everything. Personally, I don't want a depression, I want another raise. But what am I going to expect until the damn economy and people understand how to act intelligently. Seriously, do banks need auditors to watch how freely they give money or credit. Tell me, who hasn't gotten junk mail for a free credit card from a well respect bank. Should it be defined as a well respect bank if it gives out free money to any random person. We have really gone wrong when the banks are the loan sharks. People, please stop investing in these loan sharks, unless they can get away with murder, or a good smack to the knee:).