I don't think we disagree. I will try to restate my point more clearly. Banking isn't life or death. It's depositors and corporations. I place the highest value

I don't think we disagree. I will try to restate my point more clearly. Banking isn't life or death. It's depositors and corporations. I place the highest value on depositors. If depositors expectations aren't met the Banking industry is responsible. If the entire banking industry can't figure out amongst themselves how to meet the expectations of depositors without going bankrupt the government regulations would require the banking industry assets liquidated. The new banking industry would start with depositors made whole and what if anything if left over could be used to fund a new banking industry under new government regulations.