Systemic risk to an investment class such as mortgages, means that most banks would be subject to the same ill effects, and smaller less diversified banks will

Systemic risk to an investment class such as mortgages, means that most banks would be subject to the same ill effects, and smaller less diversified banks will fail. There were 157 bank failures in 2010...zero in 2006. http://www.fdic.gov/bank/historical/bank/2010/index.html http://www.fdic.gov/bank/historical/bank/2010/index.html However, just limit the amount of Federal Deposit Insurance that can be issued to one entity, if we can't figure out what they're doing.