Governments shouldn't bail out failing banks with taxpayer money. When a bank goes under due to reckless lending, it's the shareholders and executives who should bear the cost, not the public. Some argue that a bank collapse would ripple through the economy and hurt ordinary savers, but we have deposit insurance for that. The moral hazard is too high: if banks know they'll be saved, they'll keep taking excessive risks. We need to let failing banks fail and let the market discipline return.