Look at the bright side. At least those tax dollars aren't backing programs to help the needy. http://abcnews.go.com/Business/Economy/story?id=4516226&page=1 Wall Street investors couldn't applaud enough last week when the Federal Reserve rode in and rescued investment bank Bear Stearns from bankruptcy. But now, Main Street wants to know what justifies a taxpayer-backed bailout of the investment bank, especially with no congressional oversight. And, skeptics wonder, why undertake such a plan when it doesn't help the mom-and-pop store struggling down the road or the thousands of Americans who might lose their homes? Peter Morici, a professor of international business at the University of Maryland, blames Fed chairman Ben Bernanke for not getting more concessions out of the banks. Morici said the banks acted irresponsibly in who they issued loans to, and that the Fed should have forced them to agree to tighter regulations before moving forward with a bailout. Making a deal, Morici said, "without imposing conditions on the banks for the shoddy ways they have been doing business, is really inappropriate."