[pjc50]

> But a possibly better and more optimized implementation can't be put in place until the current one fails

That's like saying we can't implement renewable energy until the grid goes dark, and the best way to get reform is to go round blowing up some power stations. People are depending on this infrastructure to work! Advocating for bank failures without regard to the consequences to the users is the sort of accelerationism that you normally only hear from revolutionary Communists.

What is the acceptable level of collateral damage from bank failures to you?