A thought crossed my mind as I was reading that the U.S. House of Representatives passed legislation to better regulate the financial services industry this week: Why on earth do we bail out companies like AIG, Morgan Stanley, and Citibank that supposedly are too big to fail without requiring that they be broken apart as part of the bailout deal?  The only entity that I want to be too big to fail is the federal government.  Anyone else is being given a free pass to gamble with my money.