Believe it or not there are plenty on the political right who agree with you.
. Daniel Hannan, for example, has long argued that it is a debasement of the capitalist system to allow banks to make massive private profits in the good times but to socialise their losses - I.e. shove them on to us taxpayers - when things go bad.
The problem this time, however, isn't simply a matter of banks going to the wall due to dodgy loans. The flow of money has been disrupted to the extent that sovereign states are at risk of going bankrupt, and none of the half-measures taken so far have come close to addressing the chronic cause of the problem (the inability of weaker economies to remain competitive when locked at the same exchange rate with much stronger ones, particularly Germany).