Late Change in Course Hobbled Rollout of Geithner's Bank Plan

Apparently the plan would be "too expensive, too complex, and too risky for taxpayers." This is the same plan that Geithner and his team have spent ages working on, and now he is showing concern for tax payers? Apparently, his team looked in "previously considered initiatives to pair private investments and public loans to try to buy the risky assets and take them off the books of banks." Is this really change or is it a question of not enough time and not enough money?