Confidence comes from people at bottom

While the government is spending a lot of time, money, and effort in an attempt to stimulate the economy and consumer confidence, it seems to me that much of this is misdirected.

For example, the majority of the money is going to big companies (that started this mess) like banks, hedge funds, etc. with the reasoning that they must not fail.

However, this does not build confidence for the man on the street. I continue to get calls from business and commercial real estate borrowers who are very worried about their tenants financial ability to continue to pay rent, and about their own worrisome financial situation. Most of these are sitting on their money.

Most people who are worrid about making the rent or house payment aren't spending a lot of money now. Until they get a job or are certain to retain their job, they won't have much confidence.

Even when people get a job or feel better about keeping their job, it will take a few paychecks deposited and debts reduced before they'll begin to feel comfortable with splurging here and there.

I just don't see how the money spent on the very companies that started the mess, and who now want to return the money to the Treasury, and who still refuse to lend even on creditworthy deals, how any of this builds consumer confidence.