> it is clear that the root cause of the problems is the actions of the government and the FED That's not clear to me. I think the purpose of banks is to hand

> it is clear that the root cause of the problems is the actions of the government and the FED That's not clear to me. I think the purpose of banks is to handle funds well. If a bank is "made" to "see itself with a glut of funds" it's needs to be able to figure out how to handle that. I'm not endorsing the last several decades of federal monetary policy, but regardless, it doesn't make senses that it should necessarily focus on making things simple for regional banks.