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Incentives with this broad governmental backstop that is being provided that could actually encourage the kind of bills. that is the central question. until the democrats can answer that, more effectively, they're not going to get many republicans on board. >> bret: juan, that is a point. there was a democrat push-back at the beginning that this was all talking points that too big to fail was just a talking point that republicans inserted. but you talk to people on the left, even from brookings, they say it may be institutionalized in the bill as written currently. >> no, the counterpoint is s...

Incentives with this broad governmental backstop that is being provided that could actually encourage the kind of bills. that is the central question. until the democrats can answer that, more effectively, they're not going to get many republicans on board. >> bret: juan, that is a point. there was a democrat push-back at the beginning that this was all talking points that too big to fail was just a talking point that republicans inserted. but you talk to people on the left, even from brookings, they say it may be institutionalized in the bill as written currently. >> no, the counterpoint is s...