The banks will most likely need to be nationalized. The current banking plan is about as logical as trying to turn dirt into gold. It will take around four trillion to save all the worthless banks. The government has already put in 1 trillion. The tax payer is going to get raped in the coming years with the nationalization. Whether you feel nationalization was mandatory or not is not the issue. The issue is that the democrats will be responsible for putting the chains around the neck of the tax payer.