No responsibilty in the new age of unaccountability

I am a small business owner. I own an independent bookstore. I took out a loan, rented a space and bought inventory. I used part of my and my husband's retirement to pay for the rest. I have been open a year and struggle weekly to pay bills while keeping my shelves well stocked and my doors open. I have come to terms with the possibility of failure. Not that I went into the business expecting to fail, but knowing that it could be a possibility and accepting that possibility. I knew if I did have to close my doors, it would be because of either my business decisions or lack of customers. I would not expect the government to bail me out-that would be like asking my neighbors to fork over enough cash to cover my loan payment and rent for the month. So, if I, the measley average American who is reportedly misled regarding the current economic crisis and the dire straits our country's economy is in, if I, Mrs. Middle Class Small Businessperson am not bright enough to understand why the government needs to bail out (oh, sorry, rescue) these HUGE corporations, then how come I understand that I, and only I, should be responsible for the success or failure of my business and those executives, who are apparently the "best and the brightest" (we can't afford to lose that talent!) don't? I am offended when I am told by my President and other elected officials that I just don't get it. I do. What I don't get is when does a business become too big too fail? Seems to me that Citicorp, Bankof America and JP Morgan are helping out by buying up all the losers. So why do we need to "buy" them up? Also, why are these men not going to be held accountable for their horrible decisions? Right now, they get to keep their millions, they just won't be getting anymore bonuses (wha!) We all know it comes down to who gots the money and power. Our politicians almost did something right when they first refused to pass the bill. Unfortunately, bribes in the form of earmarks and the money offered by special interests won out.