1. worker loses job

2. market crashes

3. worker with 401k sees they that they lost 20% of their last year's savings alone

4. get scared, cash out, uses the cash to survive

5. big banks buy the assets on the cheap

6. big banks get bailed out where they got greedy

7. worker gets re-employed, finally gets back on their feet and starts saving again, pumping the assets that bigger players got with cheap debt in order to "rescue the market".