The answer is to accept for now that these are essentially government enterprises, and strive for regulatory reform that will lead toward full privatization.

And the way to do that is remove the monopoly laws and open up the market to a parallel clearly-identified free banking system.

Where there's supposed to be solid foundation with bricks, mortar, framing, etc, there are actually huge gaps in the economic infrastructure caused by the artificial support of the government. Not just from bailouts, but the more common and everyday subsidy and a whole host of regulations that retard competition.

So, back to the building analogy, where there's supposed to be four by four framing connected to a solid foundation, in reality there's only stucco covering a huge gap in the wall where no undergirding exists. It looked like a solid wall that might be supporting its portion of the building, but of course it was a structural liability.