The slow option is going to be favored by those (politicians) who look to others (voters) for job security. Congress doing nothing will cost both the president and themselves their positions come 4 years. Congress acting but underachieving (not reaching their goal) might allow them and the president another go at it.
The sad part is, if companies were allowed to fail, we would be out of this mess rather quick as private money would leap from the sidelines gobbling up all instances of value. What would you rather have, someone taking your liver out with a few swift blade strokes, or a prolonged, although less painful removal that lasts a week?