No one can guarantee that a bank won't fail. Nor should anyone. Banks are money-making enterprises; to allow private parties the spoils of risk while insuring

No one can guarantee that a bank won't fail. Nor should anyone. Banks are money-making enterprises; to allow private parties the spoils of risk while insuring them against any losses is anti-capitalist, and is at the heart of what creates perverse incentives for bankers. Fixing "too big to fail" isn't about making everything safe enough that banks never fail, it's about allowing an insolvent bank to fail without causing a domino effect that affects the whole economy.