All this demonstrates is that you don't understand how the US banking system works. Bank failures != taxpayer funded bailouts. Also, I don't know what you have

All this demonstrates is that you don't understand how the US banking system works. Bank failures != taxpayer funded bailouts. Also, I don't know what you have been reading, but a comprehensive list of times that depositors have been bailed out by taxpayers (or anyone else, as the FDIC is not bailing out anyone by definition) would be quite short. Lastly, there is a huge distinction between regulating banks and directly controlling access to an individual's funds. If you really can't see any theoretical problems there, I suggest you work on your creativity.