The recent bank stress test has raised a lot of questions about how much more money American taxpayers will have to pour into the giant monster mega-banks.

The latest numbers show that Citibank needs another $51 billion to stay solvent -- and 90% of it will come from taxpayers. Bank of America needs another $34 billion to keep their doors open at the moment. And Wells Fargo needs another $15 billion.

To date, we're on the hook for half a trillion dollars for Citibank and Bank of America alone.

A host of other banks and financial institutions passed the stress test, and that's caused the stock market to breathe a sigh of relief. These solvent institutions include Chase, MetLife, Goldman Sachs, Capital One and American Express, among others.

The real problem here is that we have no procedure to deal with seizing and disassembling giant monster-mega banks that fail. FDIC head Sheila Bair wants to divvy up the duties between the Treasury Department, the FDIC, the Federal Reserve and the Securities and Exchange Commission.

Clark's remedy would be to bust the giant monster mega-banks up into smaller regional banks. Each would be forbidden to control more than 1% of our nation's deposit dollars.

After all, we should not be in a position again where taxpayers are getting burned at both ends. First, the banks get massive bailout funds from us. Second, they turn around and stick it to us with increased fees and reduced credit lines. It's just not right.

We need Congress to overcome the dirty money and lobbying power of the giant monster mega-banks and get a regulatory structure in place.

Why should the stockholders of small banks that fail be wiped out, yet stockholders in the giant banks are propped up with bailout dollars? You undermine capitalism when you decide that the privileged few don't have to play by the same rules as the rest of us.