There are increasing number of reports and articles popping up that have been pointing out that when large multinational banks, such as JP Morgan Chase, are asked just what has been done with the government bailout funds, they are unable or unwilling to disclose just what they have done with the money. Banks that have received federal bailout funds apparently think that the rules don't apply to them, unlike people who get emergency cash through a payday loan, who have to pay it back, and be accountable. When a normal person gets emergency cash, they have to be accountable, and pay it back – evidently the rules just don't apply on Wall Street. Maybe in the future the government should look to payday loan companies as a guideline for how to hand out emergency cash.