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They provide the institutions to take greater risks than they otherwise would. this is before and during the implementation of tarp. does that mean the success of the program, which will repay all by $20 billion or $25 bil billi billion, could that mean the failure of the system? you cannot take a look at the big picture until you look at tarp entirely. when the government came out in 2008 and 2009 and say the largest banks will not fail. it helped save the financial system. it gave the banks the incentive to take greater risks. we are in a very dangerous place right now. these banks are still too big to fail. there is still implication that the government is going to bail them out. let s be clear. when we say too big to fail, it means that. if the banks hit the rocks ....