bank bailout ? why? do they deserve it?

I just was thinking and decided I should share my thoughts.  I would say maybe just very disapointed that some major banks are losing their shirt and if you watch the news, your first thought mite be to feel bad for them. Then I realize in my own professional dealings with the banks and the short sales ive done.  The way the banks have treated me and my clients, they almost deserve to be out of business.  I have never ever been as frustrated, when as im talking to a representative from any number of banks, its like talking to a wall.  You have to ask the exact right question if you want to get an answer. They dont volunteer anything and basically act like they just want to collect the  mortgage payment and be done with you. Now I guess I should be more specific about this.  Its not really all the short sales, but just the ones where the people had a variable rate and cannot afford the new payment. Ive heard multiple people tell me they offered to pay the bank the full amount of the loan, as long as the bank gave them an affordable rate. Ive actually heard people talk to their banks about this, and then the bank gives up a huge list of stipulations and says, " maybe ifyou pay us this much, we will consider giving you a better rate."  Why wouldnt they just change the rate and say "ok, pay us now".   If the borrower doesnt pay, then does it really matter if the rate is 6% or 12% ?  It only matters to the investors the bank sold the loan. I have heard of some cases where people did get offered a better rate up front, but i wasnt involved so i dont know all the details.  I would hope at least some of these lenders still use common sense in their business practices. Instead of getting the full loan amount over time and keeping the borrower in the home, the banks decide to let it go to foreclosure. Or at least they make the borrowers decision a little easier.  ( not to make payments )  I dont understand why a bank wouldnt want, say , $300,000 thats owed on a home, at the same interest rate the first 5 years was paid at??   Instead, they end up selling it for $200,000 or even less!  Im not a genuis but I would guess that after losing 100k plus on every single loan, is not in the best interest in our country or economy. And im using this example in a relatively small market meaning alot of homes under 300k.  I can just imagine what the real numbers are in bigger more expensive markets.   Its all Greed to me.  Does anyone else share my opinion?