What happened to money market accounts

Banks and financial institutions offered money market accounts as accounts with possible up trend for returns.In realty this money made more than 6 percent (my guess) to reflect the return on stock market.Institutions paid less than 2 percent and pocketed the difference.Last year when the stock market tanked and lost 40 percent of its value these accounts became undervalued .Federal Government bailed these institutions to make all those account holders whole.A review and thorough investigation should be held to see how these accounts were managed .If it was private gain .These companies should be charged back at least 3 years profits from these accounts.