We have a de-facto two class system: the capitalists and "everybody else class". The capitalist class, those with capital, investments, stake (a la stakeholder)

We have a de-facto two class system: the capitalists and "everybody else class". The capitalist class, those with capital, investments, stake (a la stakeholder), who mobilize lobbying on behalf of and to protect their capital, who will 99.99% of the time have the ultimate impact on legislation; the impact being positive effects on themselves at the cost of everyone else in the general public. I'm not sure we can even get a vote on the floor that would have detrimental effects on the former class. The legislation is preordained. You are proposing that bank management and equity holders get wiped out, not the general public checking account-holder; how would that even be possible, since they write the rules, pull the strings, lobby, etc. magnitudes more than you? They are the rulebook. They do so to such an extent that the entire system is predicated on everybody agreeing to do the same thing lest the system collapse.