If the taxpayers are going to...regulate, control, order, politicize banks and interest rates... then when risks go bad, then taxpayers have the right duty to be liable.
Did anybody bail out a private, unregulated hedge fund? Not a single one. Zero. Zip. Nada. That kind of tells you something. Unregulated, free actors survived ( or didn't) but were not burdens to others. But the massively regulated, controlled banks got bailed out. Kind of like...oh GM. Or AMTRACK. Or Chrysler, or farmers...
If your position is to take away all regulation from the banks, and let them fail if they go bad, then I agree with you. That includes getting rid of the FDIC, by the way.