"Payroll accounts should be 100% FDIC insured the same why it works in many other countries."

Perhaps, but they are not so it is a bailout.

"The "bailout" (badly named) was for the average people working at these companies."

That jumps to a conclusion and fails to recognize the business owes a debt required to be paid by law to the employee for the work they have performed in the previous weeks.

I don't want to see banks fail like any of you folks, but the reality is responsibility lies somewhere and that somewhere isn't in more FDIC insurance. Business management is just as culpable as the banking staff in maximizing profit and maintaining proper liquidity and insuring working capital is secure.