> In this particular case, if I put basic cash into a basic deposit account that's not designed to give me high yield or differentiated exposure or whatever, th

> In this particular case, if I put basic cash into a basic deposit account that's not designed to give me high yield or differentiated exposure or whatever, then I want regulations and a system to make it so. If all a company has to do is check the boxes of regulators (which they're good at) and now there is a guarantee that nothing else needs to be done since the bailout is all but explicit. You don't care as a customer. The business doesn't care since it's following the rules. And every decade or so we have a bailout. Remember that these industries are heavily regulated. And those regulations are always insufficient. Triple A CDO-squared were treated to be as safe as cash according to regulations when they ended up being worth closer to 30 cents to the dollar