700 Billion Buyout??? What Gives....

I have heard a bit about why we are giving Wall Street all of this money, but it also scares me because it means that us tax payers will have to pay for it. It will come out of our pockets. either way give it or not the working American people are screwed either way. What is this country coming to and why are we facing these crisis, who is to blame and what is needed to right this wrong. Please can anyone explain...............