Obama already showing his inexperience

You know, I'm not a politician. And I'll be the first to admit that I'm not the most savvy businessman either...nor am I any kind of economic / financial guru by any means. But at the same time, I know inexperience when I see it. And God forbid that Bush actually goes along with this.

Ok, so there's plenty of reports and news articles saying that Obama is asking Bush to give help to the automotive companies. NOWHERE does anyone talk about him doing anything to anyone other than "the Big 3"... well no matter what, you can throw tons of money their direction and yeah, it may help keep them afloat for a short while, but here's something that perhaps they haven't thought of... Who's going to be able to FINANCE those vehicles they're making? NOBODY! What they need to do, is help out financial institutions somehow. No, I'm not saying a "bailout" per se, but what I am saying is to make banks and other financial institutions feel more comfortable in lending money. If the banks won't finance anyone, then 95% of the people out there (by my own guesstimate) will not be able to buy a car. So when no one can buy a car, then that means that all that money the government lends to GM or Ford or Chrysler will only let them make more cars...cars that they won't be able to sell -- which is the problem they're having right now! No one's buying because no one can buy. So if they can somehow help out the financial institutions then that will not only help the auto industry, but it will help all the credit markets too... which in turn will help people to be able to buy things they need. Plus, this will help everyone because small businesses will get their credit lines back, which means they will be able to buy supplies and pay employees to make their widgets, which means they will have more jobs and more jobs mean that people will be able to buy the different companies' widgets. So to me, logically, it seems that since it's money that makes the world go 'round, and money is frozen right now, then figure out a way to loosen the money / credit, get it flowing again, and EVERYONE (people and businesses) will benefit.

I mean, am I completely off my rocker here, or does anyone else have a better answer?