As pointed out elsewhere on HN there is a bank with essentially 0% of risk from going bankrupt by means of improper/mismatched investment. The concept is "narr

As pointed out elsewhere on HN there is a bank with essentially 0% of risk from going bankrupt by means of improper/mismatched investment. The concept is "narrow banking" and involves pass-through deposit to the central bank. The government refuses to issue a banking license. In this case I'd argue over-regulation is the reason why you can't have this form of safer bank.