You, me, others may not need it, but then again we'd be paying for it with assets getting hit because if I understand correctly, this would be in place of bigge

You, me, others may not need it, but then again we'd be paying for it with assets getting hit because if I understand correctly, this would be in place of bigger bail-outs so our stock/401k/real estate etc would take a hefty hit knowing we won't starve even with big losses.