Is capitalism for rich and upper middle class only?

The current financial situation has made poor people poorer (generally) and the rich seems to have kept or maintained their wealth (at least in the US) with government bailouts for big banks that were part of the problem to begin with.

Apparently some regulation is or was needed to prevent this type of situation, where Congress turned a blind eye.

So Capitalism with regulation is what's needed in my opinion and not Laissez Faire capitalism that was allowed in this case. Big companies use "Socialism" as some sort of dirty word, to scare the American people. But what about these same big companies getting public funds to bail themselves out of the situation that is greatly their own making.

Sure, according to some reports, Bank of America paid up its part and the government made a hefty profit. So should the government use public funds to invest in such institutions? What if they fail? Who benefits from these profits made by the government. Will we see more concessions to big corporations, less regulations, etc so that there is repeat of this situation in the future?

I think, there should be some regulation, and also cap on executive pay. These guys make a situation bad, then go some place else, and the new exec is left to deal with a bad situation, he (usually its a "he") then lays off people (seems to be most popular move) and then its the small people that suffer that is the middle class. (the poor are already poor, the rich are already rich, they can take a bit of a hit).