once again, page-5

Your points are valid in the short-term Oilkely.

Here's an article from todays UK Telegraph. I also think this guy raises some interesting points
about the current problems and the future

I especially like how he puts this:

"Moral hazard arises because an individual or institution does not bear the full consequences of its actions, and therefore has a tendency to act less carefully than it otherwise would, leaving another party to bear some responsibility for the consequences of those actions."

http://www.telegraph.co.uk/finance/personalfinance/investing/3189539/Bank-bail-out-Inflation-and-stupidity-are-here-to-stay.html