It’s human nature to look after their own self interest therfor the only way to rid our society of all structure that gives people this sort of extreme power. That goes for the goold ole worker to the bankster. The biggest grief I have with bailouts are that it basicly only hurts the normal Joe. The banks have gambled and should pay dearly for it.
If a bank can only lend out what they have in deposits situations like this would never possibly occur. Savers would actually carefully choose a bank that is responsible at the same time giving that bank an advantage. As it is now it’s just a ponzi scheme which will eventually will fall together.