Capitalism and free markets are messy. They work best when non-idiots are at the helm but manage to plug along no matter what. If the nation decides that the government must insure every penny deposited in a bank, then sure as the sun rises, two things will follow. Next, stockholders and creditors will be protected because it wouldn’t be “fair” otherwise. Next, the federal government will take a much more active role in managing banks bringing with it all that implies.