Post mortem regulation is not enough

The two remaining ultra mega financial institutions Morgan Stanley and Goldman Sachs, are now protected by the government. Tougher restrictions on the type and nature of transactions and they will now be engaging in more traditional and safe funding sources: deposits from ordinary people and businesses. It will be much more expensive for them now to borrow large sums of money for further financing and there will be more due dilligence when borrowing is to take place. They will now have to behave more like banks rather than free standing investment institutions. Now they will have to play a different ball game and compete more with banks and have less opportunity to grow via corporate lending
Question, if the banking and financial institutions are now planning to be financed more on individual and private business deposits, these individual and businesses should be able to have some money to deposit.
Perhaps saving the goliaths is not enough. Perhaps the government should start thinking to have better unemployement benefits. With so many large corporations going bankrupt, there will be hundreds of thousands of former big spenders with no income to spend nor save. Perhaps the biggest aid that the US government could provide to its economy in crisis is the stability of ensuring money flow. Over the last few ten years, america was going out of its mini-recessions because of consumer spending. Perhaps if consumers had money they could help this time once again