I guess you miss the point of my post completely.
WAMU may not have been 100% healthy ,but it was NOT GOING UNDER OWN IT'S OWN ACCORD, so IT WAS HELPED!!!!!!!!!!!!!STOLEN and sold to another bank JPMC ,WHO AT THE TIME HAD A WORSE TIER LEVEL RATING THAN WAMU had!!!!!!!!!!!!!
It was stolen to shore up JPMC
Yes the market is always a risk or all here would be rich! But when you have several agencies CONSPIRING to single out and take down a bank to pass a bill LIKE TARP, it's not a NORMAL market business based risk, it's a contrived failure