Ok, the Obama administration bail out is on the table. While multi-dimensional, the crux is to help many banks gain bouyancy again and inspire renewed consumer trust. New York Times columnist David Leonhardt best summed up the primary dynamic that got us here: “It’s your fault. Part of it is, anyway. You, the American consumer, spent too much money. You bought too much house, took on too much debt and generally lived beyond your means. Your free-spending ways helped cause the worst financial crisis since the Great Depression. And now you’re going to have to do your part to end the crisis. How? By spending.” Wouldn’t this be akin to asking an alcoholic in the process of hitting bottom — to drink more? Well, sure.