Look at the beginning of this video of Anthony V. Alfieri an ethicist, from the University of Miami, talking to the Ethics Commission. Pay attention at about 22 seconds...it is what our government is doing.
Here is an example:
Moral hazard is said to have been a significant cause of our current economic problems. The government has long displayed a willingness to step in and rescue businesses and institutions in financial distress. From the Chrysler bailout to the rescue of the Mexican government to Long Term Capital Management in 1998, investors have had reason to believe that, while they will be able to keep any gains from their risky investments, the government will step in to cover the losses.
As a result, large investment institutions took risks – or at least failed to exercise cautions – that they probably would have avoided if not for the government’s implicit promise to cover the downside risk. When the government actually allowed Lehman Brothers to fail in September of 2008, people who had invested in financial institutions expecting the government to protect their downside risks suddenly panicked. Faced with the prospect of suffering the true costs for foolish decisions, they suddenly wanted to put their money someplace else.