On point 1, you are dead on right. Bankers are greedy. That's why they are BANKERS. If they weren't greedy they'd be working to help the homeless or some such.
On point 2, I somewhat disagree. A lot of it depends on exactly how you're structuring things, but this is an issue. The problem is that the interests of the executives at the banks isn't necessarily in line with the interests of the bank itself or the nation as a whole. It's quite possible that a CEO would refuse help when the bank genuinely needs it because he finds it too onerous for himself personally.
