Pat Dorsey is a pretty smart guy, Director of Equity Research at Morningstar. He explains why the bailout is a safety net for Main Street not a bailout for Wall Street. I understand this I just wish there was a better alternative like getting loans from www.prosper.com. Unfortunately Prosper.com only allows loans of $25,000 which just isn't enough for a lot of companies. Maybe Prosper will expand soon to ease the short term credit crisis. Well here's Pat Dorsey's take on the credit crisis: