My One Trillion Dollar Question

So, the federal government is going to spend $1,000,000,000,000 to save these huge financial corporations in order to save people's 401(k) retirement investments.

So, why couldn't have we invested 1 trillion tax dollars on the front end in a lower risk retirement government service program like Social Security with more iron clad compensation, given this weeks market crash?

I sure would have liked to have seen the $3,200 Uncle Sam is going to take from me to rescue AIG et al. go into my Social Security fund. I don't even have any stocks in any of these failing companies, so the bail out won't help me directly.