It seems to me one of the major problems we've got is credit drying up. So we bail out the banks, yet they still don't extend credit. They seem to think expensive trash cans for CEOs are a bigger priority. Perhaps we need banking - in some way - to become a federal concern. That way you extend credit and have the federal government absorb and back the risk. Of course the downside is you add federal bloat to the process, and while you might want to make it temporary, that sort of thing has a tendency to become permanent when the feds get involved.
Its not an idea I'm wild about, but so far the solutions seem to be lacking otherwise. I certainly don't trust the banks to come around, they were one of the engines that drove us into this ditch to begin with.