If Congress is going to behave like a bank, how come banks won't lend the auto companies money?

The AP has this quote from today:

Sen. Claire McCaskill, D-Mo., said she's willing to consider an auto bailout, but not before she Congress gets a clear accounting of the companies' financial situation.

"We need to behave like a bank," McCaskill said. "And we need to make sure that we get all of those internal financials and that we feel comfortable that this is a good investment for the American taxpayer." . . .