[thr0wawayf00]

Because they don't make as much money that way. History has repeatedly shown us that asking companies to voluntarily forgo profit-earning opportunities does not work. Companies exist to make money and this why regulators like the FDIC exist, to ensure that financial institutions are liquid enough when things go south.

This is simply not something that financial institutions are capable of doing themselves.

[yellowapple]

This doesn't even seem like a financial regulation issue. More like a "I'm paying you to store my stuff so please store my stuff" issue. If I paid for a storage unit and the company running it sold all the stuff in it while promising "don't worry, when you want your stuff back we'll buy it back for you", I'd be pretty peeved.