Why will the best people want to stay with the banks in trouble? Any company getting funds from the government will lose their best and brightest. The only way I see this not happening is if the government uses its financial muscle to bring down the profitable banks by undercutting the other banks and companies.

A slew of the banks that owe $ are getting ready to pay it off anyway. By year's end I doubt many if any won't have started to pay back what they owe so they can get out from under, which is the way it should be