1 – Why would you go long term with Citi and not have a growth/value portfolio instead? I’d bet that a portfolio beats Citi for returns over 20 years, plus the downside risk is minimized. You’re not going to have the up and down swings that Citi would have along the way.
2 – Who says that the Citi shares you buy today are going to give you a part in the bank that gets saved (assuming that it will get saved)? How do you know that the shares won’t be diluted/dissolved/reverse split? Not too long ago Citi was allowed to split into two companies – the good Citi and the bad Citi. What if your shares give you ownership of only the bad Citi (next time) and the good Citi gets to issue new shares?