So let me get this straight...

Bankers misread and/or ignored the risks of making too many sub-prime mortgage loans, and the repercussions of the massive number of defaults due to this risk-taking jammed up the entire economy...

Then the Federal Government had to shower banks with TARP cash to keep them solvent while they tried to wind down their bad loans...

Now that banks have finally revised their risk models and are beginning to become profitable on their good loans, Obama wants them to "loan against their will" to small businesses, whose loan failure rate is now 12%.

It is like you finally got an alcoholic to stop drinking, but you'd prefer they smoke some crack now since you "helped them out."