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The bailouts are a minor blip relative to what the US spends on its welfare state. The spending occurs because the people elect representatives who overspend. And your claim about banks and risky investments is a red herring - they went down because liberal politicians crashed the economic system by meddling in the housing market in service to their minority clients. If the american people seek to find who is responsible for the gigantic debts, they don't need to go looking for boogeymen like bankers, they only need to look in the mirror.