Double standard on bailouts?

Regulators nix credit card debt forgiveness plan

So the message here is if you do a poor job of living within your means you should file bankruptcy but if you are an automaker or a state you get a taxpayer funded bailout.

I am against bailouts of any sort. The solution is simple credit card owners should pay it off, GM should file bankruptcy to restructure, and the states need to cut their budgets to be inline with their tax incomes or raise taxes.