[quest88]

Apply your logic about laws to private banks. Make it so private banks have to adhere to some new law. Same outcome.

[lcnPylGDnU4H9OF]

> Apply your logic about laws to private banks.

I'm pretty sure that's actually a more ambitious endeavor than insisting on a government-run solution. I otherwise still see the same issue in OP's comment: there is no reason for the private bank to exist.