Some (self described) smart people believe that "it'll all just work" if we put the just-right smart person in charge of such a bailout to decide what the just-right thing to do is. We instead need to put 200 million smart people in charge of deciding what to do - and they can each decide with their own hard-earned money. Give your money to government - or just the same, give government the power to take your money - and all you get is a handful of not-really-that-smart people deciding what is best for you.
Perhaps we need some sort of document that states, and that people in elected office would swear an oath to support, that no matter where you fall in the bell curve, that only you have the right to pursue your own path when deciding what is best for yourself. I just can't think of what to call such a thing.
