You know, it's all over the news and campaing trails. Banks need this money so small businesses can get the loans they need to buy products, employ people, pay their bills etc. I understand the small business is the American dream. It seems they base the middle class off of small businesses.

That's fine, that's not what I am trying to get at. But it still doesn't make sense, and correct me if I am way off.

we did this bailout so banks can loan again, smal businesses can stay in business etc. BUT thats not where the problem is.

I really wish they came up with the bailout to help the person, the people.

Banks don't have money to loan because we have borrowed it all and have a hard time paying it back. Giving them more money to loan us, is just going to make it worse. OR now the banks have money but are so scared we are not going to pay it back, it's just sitting. Too hard to even borrow. That money is just sitting.

On the small business idea, it's the same thing. It's not JUST loans from the bank that are causing businesses to go under, it's people, like you and me, not having the money to spend on the small businesses. They are losing sales, which lose money, which means they have to fire employees, and end up closing down.

They should have came up with a plan to help americans pay their debts off. Then we would have credit and would be trusted to take out loans, and have the money to actually repay them, which would keep that 700 billion flowing, and banks in business.

then, also, if our debts were helped being wiped out, we would have money to buy products from these small businesses, and they wouldn't need more and more loans.. (well, no more than normal).

You know. they should have sent out mail to everyone, like they did the stimulous, and had us fill out a form with all of our debts. Then decide what is pay off-able by the 700 bil and what is not. If they cleared some of my unsecured debt, I would have mone to spend on the economy... right now I don't.

I just think they took a bad route. That money has been given, but is not flowing. Banks are too scared to trust anyone and no one can borrow.. money is not flowing like it should. You have to jump start it at the lowest level, which is us...