If the problem is that banks STILL don't want to loan money- then it's time to nationalize them.

[dysfunctional press]

"the bailout" was supposed to unfreeze the credit markets- but apparently that isn't happening. for instance- the chicago company where workers are staging a sit-in over a sudden closure- the closure is because of the company's line of credit no longer being there.
if the banks want to hedge their bets by hording the bailout money that was supposed to get the balls rolling again- then it's time for new management and a new way of doing things. nationalize the entire banking system.