Ben Bernanke actually said...

The government can provide various incentives, encouragements, to banks to do what in many cases is really in their own interest.

If there is not credit, then that affects the ability of people to buy autos and other goods and services.

I think the institution with the most experience in these kinds of resolutions is the FDIC.

I do agree with that. Fannie Mae and Freddie Mac are particular problems and issues have to be addressed.