I am not sure from where you think you can draw such a ‘simple’ conclusion but it ignores the law and the recent provisions of the FDIC.
The fact of the matter is there is no oversight set up to monitor the decisions regarding taxpayer’s money. Oversight, although written into law, is not yet assembled and therefore there is no accountability. The ‘emergency’ has blindsided the public and their elected officials. This is indeed unsettling as a minimum.
Unless you have some factual basis (you don’t) to back up your oversimplified post, I will add you to the pile of those that post ignorance and add to that problem.
If you have a better idea, post it.