[henry81]

I've lost faith in banks. Part of why I'm even here is because I love the internet and how it gives "power to the people"

Me, I want to see modernized banks (inspired by P2P-lending like Prosper and LendingClub) that give people more control and risk/reward. Ideally, a better cut of the profits. In my opinion much of this subprime lending crap could've been avoided if it's people putting their own money at risk vs bankers putting it at risk for us.

Maybe I'm dreaming.

[eru]

Apropos pipedreams: If there was no deposit insurance, people would watch their banks much closer, and banks would be more conserative and open, because they need to convince deposit holders you that they won't go bust.