Yeah, it's OK. You're probably just a whippersnapper.
The SHTF while Bush was President and, actually, I would have and did criticize him. Banks that go bankrupt should fail. The S&L bailout continued a horrible precedent set by FDR that banks must be protected from failure at any cost.
Banks are no longer private businesses -- they are protectorates of the government and it's our money -- money we didn't deposit in them of our own free will -- that props them up no matter how foolish they are.
I have friends who still believe that the oil companies run the country. They don't. The banks do. We saw it again in 2008 with TARP.