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An Institution that is too big of a risk to save. The institution is often viral and perpetuates big failures to their benefit and to their constituents detriment. Their philosophy is basically: Heads I win, Tails you loose. The failing Institution has a neg trend, that will continue since policy changes don't achieve recovery goals even when successful. For those affected there is extreme vulnerability and risk of saving it, and little to gain. If success occurs it benefits those that caused the failure. Those most negatively impacted continue to pay the costs, and suffer. The group saving the institution may have little control over the outcome and benefit stream, but is responsible for all the costs and liability. However, the group saving may have an agenda and be able to transfer the cost to others. And may do so at a very high price. The group doing the saving may be walking the fine line of being an empowerer or enabler. Sometimes as an enabler in collusion with the institution to keep the those people affected by the institution in a constant struggle for survival. Saving the institution creates moral hazard. Failing institutions point to the negative "domino effect", where their failure will create catastrophic failure. Others argue the "domino effect" is the solution since it destroys institutions that perpetuate disasters, and end subsidized failure.

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