As I said Brian, not all banks are as insolvent as you make them out to be nor are all the credit unions. The FDIC also insures deposits. The FDIC has the power to shut down banks but if you look at what happens to the problem banks, the insurable assets are insured and the assets are then taken over by other banks.
You yourself just implied that America is preserving the very bank management that got us into the problem in the first place. You seem to be convinced that this is and was the only possible solution.