People are really pissed off this what you just described is pretty much what happened in 2008 it was a reckless decisions and then there were bailouts the rules didn't change enough. Janet Yellen and Jay Powell have kind of learned their politics and their ideology is to preserve asset prices kind of at all costs right so they the reason they got scared is because they were worried that that there would be a reduction of of asset prices  so they said we have to backstop the banks otherwise you will see a credit crunch.