using really expensive check cashing places. they are usie ining onerous pla. people don t have access to credit any more because of the new rules meant to clamp down on some of the most egregious practices. that shut some people out of the system all together. one other thing. t.a.r.p. funding that beautiful acronym that we ve grown to love. actually costing taxpayers a lot less than originally thought. $25 billion instead of the original $700 billion estimate. why is it so much less? reporter: we always knew it would cost much less than $700 billion. $700 billion was how much was put into the system. how much the treasury would get back and that was always the question. the bailouts cost a little bit less of the auto industry. the banks bought back some more of their preferred shares and the like, bought back more of