Who is the Bailout bailing out?

Okay, so everyone by now knows how the banks got tons of bailout money... and that they refuse to account for it! I'm sorry, if we're giving them a shitload of money they should have had anyways, the banks should definitely be held accountable. They even quoted that they weren't going to give information on how they were using the money! That immediately makes me think that the higher ups got a very nice Christmas bonus for their family, and then a measly amount went back into the bank funds to help the average American... in which we should all go there and give a hardy slap on the face... one slap for each American who can't get the funds from their bank because they claim financial hardship in this economic crisis and the risk is too high... let's all just line up and see how much skin they have left on their cheeks when we're through...