The moment required getting banks back on their feet and generally speaking it was Republicans that opposed doing so.
I think it’s true that those most responsible generally faced few repercussions while those most harmed received little assistance. IMO the blame for this falls largely on Republicans who thought letting the banking system fail was a legitimate option and wanted no action or bailout whatsoever. The compromise ended in assisting the banks and no one else, which was the absolute minimum required.
At some point I think Democrats need to stop playing into the game where Republican support the crazy road to disaster, Democrats support what should be done and the two meet in the middle and do either the barest minimum or less. The banking crisis, however, was NOT the time to do this.