Forclosure Help

I have been trying to listen to both arguments on the issue of this nearly 1 trillion dollar bail out. Can someone tell me how we are going to help things by having tax payers cover the bad debt of these banks. If I bought a hummer and couldn't pay the gas and the payment would it be right for me to ask for others to bail me out and give me a gas card and cover the payment. That's what it looks like we are asking tax payers to do. I say if these homeowners can't pay for their home then they need to sell them. If that means short sale then so be it. If it can't be sold and the bank forecloses then so be it. If the bank fails because of too much bad debt then shame on them for making risky loans. Please tell me if you see it differently. As an investor these short sales and foreclosures look very attractive. The investment in these properties will turn the market around. It will sting the banks but I don't feel bad when they made billions on the loans they made. Without risk there is no reward and I think the banks knew going in it was a risk to make loans to people in the sub-prime market.