This, for me, is ultimately the major reason that private banking institutions, as they are currently formed, must be changed. The implicit and even explicit b

This, for me, is ultimately the major reason that private banking institutions, as they are currently formed, must be changed. The implicit and even explicit backing of a government of a private institution, forced as a result of that bank's size and market impact, allows that institution to take larger risks and to privatise profits that are generated as a result of the public's support. This is a major unintended consequence of saving big banks during the financial crisis.