Well, that's what we are supposed to believe...perhaps we should examine where these guys are getting the money to repay early, and yet can pay bonuses exceeding their profits and additionally still pay for all their lobbyists and shenanigans.
Clue: As long as they don't really have to make the money, they can borrow it into existence and then repay the loan like magic...GM is a great and simple example of the complexity going on at Goldman and JPM and BAC and MS...while individuals continue to get bad press for paying one credit card with another worth only a fraction of these guys obfustations.