That's why if you're lending a bank money, use covenants. http://en.wikipedia.org/wiki/Loan_covenant http://en.wikipedia.org/wiki/Loan_covenant People already

That's why if you're lending a bank money, use covenants. http://en.wikipedia.org/wiki/Loan_covenant http://en.wikipedia.org/wiki/Loan_covenant People already do this with bank deposits when there is no government guarantee leading to bank runs.