Senate Democrats will try to pass their version of financial regulatory reform today. At the center of this debate is a fund of more than $50 billion designed to prevent taxpayers from having to bail out another Wall Street failure. So why will taxpayers end up on the hook for this fund instead of the banks that will be ordered to pay into the fund? What should be the course of action for teetering financial institutions? Just how much government intervention is headed to the financial industry? And what will be the impact on businesses around the country? We ask James Gattuso, senior fellow in regulatory studies at the Heritage Foundation.