In Jan 2008, the total asset value (pre-crash) of all US banks was ~12 Trillion USD. http://www2.fdic.gov/idasp/main.asp Current losses suffered by US banks are estimated at ~2 Trillion USD. http://www.reuters.com/article/idCNL554155620091105?rpc=44 To date, the total cost of Government intervention to stabilize the economy is estimated at ~3.5 Trillion USD. http://money.cnn.com/news/storysupplement/economy/bailouttracker/index.html Total Losses (Public and Private) = ~6 Trillion. If the bailout never happened, half of US Banks would have survived. The prudently managed Regional Banks would quickly grow to fill the vacuum left by irresponsible National Banks. These would become the new Citi's, BoA's and Goldmans. This is how Capitalism is supposed to work.