The top 1% in America own about 40% of the wealth
The bottom 95% in America own about 40% of the wealth
The top 2-5% in America own the remaining ~20%

You can't bail the people out. You could redistribute all of the wealth equally, and in about 75 years we'd be right back where we are. Some people get into the top 1% by creating things. The rest create credit. The game is rigged to distribute the wealth just the way it is. It isn't compe ive, free market capitalism; it's a pyramid scheme run by bankers and oligarchs.

But don't take it from me, take it from Sir Josiah Stamp, a former director of the Bank of England and the 2nd richest man in that country when he died in the 40s:

Banking was conceived in iniquity and born in sin. Bankers own the earth; take it away from them but leave them with the power to create credit; and, with a flick of a pen, they will create enough money to buy it back again. Take this power away from them and all great fortunes like mine will disappear, and they ought to disappear, for then this world would be a happier and better world to live in. But if you want to be slaves of bankers and pay the cost of your own slavery, then let the bankers control money and control credit.