Banks are like apples on trees. The best ones are at the top of the tree. Most government folks don't want to reach to the good ones near the top because they are afraid of falling and getting hurt. Instead, they just pay attention to the rotten apples (banks) on the ground that aren't as good, but easy to see....... Seeing this, the apples at the top think something is wrong with them, because government pays more attention to the rotten ones and rewards them.