Once you do one bailout, you end up in a dilemma.

If you don't bailout this time, why not? You were suppose to. To "protect consumers", by diluting all your citizens.

If you do bailouts, then banks have 0 incentive to manage risk. It would be stupid not to take max risk for max returns, and split the rewards as soon as you get them. When you fail, you get a bailout.

Bailouts encourage taking bigger and bigger risks, which require more bailouts...

Tricky problem...