The financial crisis is the result of years of oversight and regulatory neglect by the federal government. It's also the result of hundreds of billions of dollars in loans that should never have been made by banks. If the proper safeguards had been in place, bank bailouts would never have happened. The correct role for the federal government is not guaranteeing bad investments made by giant corporations, but making and enforcing rules and regulations to ensure that their bad investments and greed do not threaten the entire economy. Congress let us down there.