Part of the problem with Bailouts are they prop up bad banks, and push aside those without the competitive advantage of taxpayer monies.
This chart shows exactly how concentrated the current state of deposits are at US banks:
Market Share of 4 Biggest US Banks Since 1998
chart via TARP Oversight Report
Hat tip Felix
Taking Stock: What Has the Troubled Asset Relief Program Achieved?
DECEMBER OVERSIGHT REPORT
December 9, 2009
SNL Financial, Deposit Market Share, 1998-2009
Dec. 7, 2009