First, we pass laws forcing the banks to make loans to unqualified applicants.
Then, when banks get into trouble we force even those that don't want the help to take government subsidies.
And then, even those banks that didn't want to take the money are forced to take orders from the idiots that forced them to make the high-risk loans against their policies!
Have I got the scenario about right?
As Yakov Smirnoff would say,
"What a country!"
(And with his history, he would know better than most, wouldn't he?)