"They" *can't* make it right. There is no making it right. The money is gone. There's no getting it back. I doubt it. There is no other answer. I know you have a bit of time in the military; didn't you have the same attitude when you saw guys do everything right but their luck went the wrong way and they ended up dead? Yep. We mostly did so to allow the people who worked there to keep their jobs. Who gets hurt worse when an automaker goes under, the CEO or the guy who retired after 30 years on the assembly line? We bailed out automakers to take care of retirees, and we shouldn't have. It's mathematically impossible. You can't force people to save their income if they don't have any income.