They don't think they're going to fail or else they wouldn't be doing it. But they do think they need a government moat to succeed. Whether that's framed as a "bailout" or "regulation", it's still the government stepping in to save the day.

In terms of "act responsibly" what I mean in this case is the perception that there's a lot of money flowing in circles here, where customers are investors and investors are customers and competitors. That's how I see this whole party crashing down if it does, if there's too much creative accounting going on when the music stops, some companies might not find a chair to sit on.