Why are these financial companys getting bailed out, if your out of money your out of Business right?

what im trying to get at is like imagine a small business owner, right now their taxes are going to bail out irresponsible financial companys, what happens if his/her business has no money, THEY GO OUT OF BUSINESS, why isnt it they same, yea it would suck for the people who use that company but if any money is going to be gived away why not to the people who need bailing out from a company that took their money and some how lost it