Lambert asked why they no share the monies. The NY Times article linked above is instructive.

Banks are holding on to the cash to prop up the stock price for investors (sure, sure) and especially to keep the stock prices propped so the top execs (whose lifestyles are dependent on borrowing money against the stocks they own in the companies they run) aren't busted out.

Members of congress are reporting a deluge of calls, emails and faxes condemning the Trillion Dollar Giveaway (I refuse to call it a “bailout” because it isn’t; it’s a giveaway). The result was defeat in the House on Monday, and the direct effect of those voter contacts can be traced to a specific cohort of House members.

Nate Silver at fivethirtyeight.com helpfully pulled together the names of representatives who are in close races, people who are most acutely tuned to the will of the people. Relying on “lean” or “tossup” risk status assessments from Swing State Project, he cites a total of 38 vulnerable reps; 20 Republicans and 18 Democrats. Of those 38, 17 Republicans and 13 Democrats voted “Nay” while only 3 Republicans and 5 Democrats voted “Aye.” This 30 to 8 rejection compares to a near-even split, 197 Aye and 198 Nay, among members whose seats are considered “safe.”