I've read more than a bit about how Obama handled the fiscal crisis. It's fascinating.
One has to realize how desperate the situation was. There was a very real chance of the economy completely collapsing, wiping out even more homeowners, jobs and pensions. There were incredible compromises to be made.
Second, the only people who understood the "system" were insiders of one kind of another.

Obama had two different groups working on financial policy. One of them wanted to prop up the existing system, the other wanted the financial people to take their lumps. Obama chose the prop option, and went with the advice of the insiders.

He also tended to stick with people he knew, and men. The women economists, who universally predicted the crisis, were on the other side, and ignored by Obama. They protested, and he paid lip service but didn't seem to follow through.

Obama will make policy by assigning the problem to a diverse group and telling them to solve the problem. He will then go with the group concensus if it meets with his own approval.

Those guys are all friends. The same people who created the problem were charged with solving it. Justice was never considered, keeping the economy afloat was.

And there is no excuse for not prosecuting the perps. Obama is a disappointment, but the people who should be in jail are Bush, Cheney and Greenspan. With the rest.