why do the right thing when you can screw up all you want and still expect a bailout?
My reply, as best I remeber: "When you finally cancel an IT contract, it is typically 100% over budget. In other words, you pay contractors twice as much to fail as to succeed. Why are you surprised they fail?"
Shortly thereafter, I was no longer a DoD consultant. And nothing changed. And that's why I believe nothing will change with the banks.