House Speaker Jim Wright says he will oppose future requests for bailout money for savings and loans if federal regulators continue to use insurance funds to merge small community institutions and create giant ones. "I believe I can see a conscious government policy to concentrate wealth in fewer and fewer hands," the Texas Democrat told the Dallas Times Herald. Last year, Wright supported a bill that will pump $10.8 billion into the ailing Federal Savings and Loan Insurance Corp. But Wright wanted Congress to impose restrictions on regulators and the Reagan Administration to assure a management shake-up at the agency. Industry experts estimate that $50 billion in extra funds ultimately will be needed to complete a thrift industry cleanup. However, Wright said regulators must do a good job with the money they've got before he will consider requests for more funds.