Bailing out the Upper Middle Class

When we bail out banks, we're protecting four groups of people
1) shareholders
2) bondholders (If banks have outstanding bonds)
3) people with loans
4) bank workers

We could be letting the stock and bonds fall in value to zero or near zero. However, instead we're bailing out the banks and any time we help prop up share or bond value almost all of that money is going to the upper-middle and upper class. It's probably redistributing wealth upwards as bad as any Republican tax cut you can imagine.

If we're decreasing interest rates on loans for corporations and houses, that money is also going to the middle and upper classes. It isn't as unfair as propping up stock/bond prices, but it's still bad. I'm guessing that working class people have different types of loans, perhaps more of it is in credit card debt, than the middle and upper class. In this case, we should be focussing on regulating the money-grubbing credit card companies and check cashing/loan places.

I have the most sympathy for bank workers. Propping up the banks to save bank worker jobs is important. But are bank jobs more important to save than the auto industry (which is getting much less support)? I don't know.

Recommendations
1) Let the bank stock prices fall to zero.
2) Let the bank bond prices fall to near zero (I'm not so sure about this, do bond owners have the first claim on equity? If so it might be difficult to get the bond price down to zero and still keep the firm alive.)
3) Regulate credit card interest rates and other loan sharks.
4) Protect the banks from going bankrupt and thus save the worker's jobs. Instead have a near-bankruptcy that exacts all of its costs out of the stock and bond owners.
5) Enact rules to prevent foreclosures on people's homes, with an income cap or a home value cap (we're not preventing foreclosures on million dollar homes).