I have an idea - if companies are legally persons and also too big to fail, maybe they should be required to put a portion of their profits into a rainy day fund that will be used for bailouts when the "once a decade unforseen cataclysm" comes. Yes, some companies would benefit more than others and lots of them would grumble about lost profits but it would save everyone a whole lot of headaches.

We can call it Corporate Social Security.