What is the answer to the problem posed by the U.S. Banks?

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Is anyone else finding themselves as pissed off at the banks as I am? To a degree I feel like the banks are sandbagging about their viability so that they can continue to hold the entire country hostage and demand yet more ranson from the coffers of the American people. Firstly there is no possible way that the banks are broke as they claim to be. We are still depositing our paychecks, and capital gains (what few there are) into the banks and entrusting it to them for safekeeping even after they have proven beyond a doubt that they are not capable of safeguarding our money or the countries well-being. If it were not for the banks loaning out not only our money which they shouldn't do unless we place our funds in money market or brokerage accounts, and certifying loans that they knew were based on inflated income information, they would still have money to lend and we would not be in this predicament in the first place. I am also left wondering why we are bailing out the banks when banks should be among the most secure and stable businesses in the country. and if they are not capable of figuring out how to remain solvent then they should go under. We cannot afford to let them go under because we will lose billions of dollars that are on deposit with these banks. There is also the question of who would step into their shoes whom we could trust to properly manage America's financial health. They know these things so they just continue to run the game making demands and threats of dire circumstances if they are allowed to fold. After we loaned the major banks over 160 billion dollars, they have the unmitigated gaul to raise both interest rates on credit cards and the rates for all of their services because they say that if we don't yeild and give them what they want they will still go under. I'm like "excuse me, we the people, are having a much tougher time with this economic downturn than the banks are having, yet we allocated money that we could ill afford to bail the failing banks out of the souo that they started and brought to a boil. What do they turn around in their gratitude, uh I mean greed, they immediately start trying to get more by jacking up their prices on us, when President Obama stood up for us and told the banks they couldn't do this their next step was to go back to the people's representatives and try to talk them out of another $75 billion dollars to balance their books back to being in the black or at lkeast deeper in the red. I feel that a viable business should manage their business to ensure that they continuously have money coming into their accounts to cover expenditures and the planned and budgeted for additions. If a business provides financial services and they end up managing the business right into the ground, why shouldn't that business be allowed to fail? They obviously don't know what the are doing!