My point is that you're wrong. It's not (or at least it was not) the banks that demand the government take the risk away from banks, it was voters, you and me.

My point is that you're wrong. It's not (or at least it was not) the banks that demand the government take the risk away from banks, it was voters, you and me. And I'm positive that today, a vote would turn out the same. So this whole too much risk followed by bailouts process is exactly what the average voter wants (in the sense that it's what he'll vote for). Sure they'll complain about the bailouts but faced with the prospect of losing their savings (as they will naturally be when a bailout is proposed) ...