Anyone feeling sorry for the banks yet?

With the increased scrutiny on how well, or how badly, banks are treating small businesses, is there more of a chance of getting funding for somewhat badly thought-through business ideas than ever before?

Many economists and politicians have blamed the onset of the credit crunch on irresponsible lending by banks and irresponsible borrowing by individuals. Is there a risk now that irresponsible borrowing by start-up businesses might just go un-checked?

Are banks just too scared of the fall-out to say 'no'?