Bear Sterns bailout wasn't really a full scale bailout. people lost lot of money. As to those people who were standing in line at Indy's they were stupid. Deposits upto 100K are FDIC insured. You would have to be really dumb to keep millions in one single savings account. Change eh! that's what will be left in your pockets if BOH becomes next president. He already has plans to raise cap gains to 25 %