Should have had more regulation - more stringent reporting and capital requirements (easy to say in retrospect, but they were covered by laws repealed in 2018).

Should have had more regulation - more stringent reporting and capital requirements (easy to say in retrospect, but they were covered by laws repealed in 2018). It should not be possible for a consumer bank to get into this sort of state so that they are so far from being able to return customer funds.