As a natural result of the backlash against banks in our democratic polities following the huge crisis rooted in the financial system, the new framework imposes that banks’ bailout with public money is the ultimate resource after extensive bail-in tools have been activated.
I agree that bailouts, especially when shareholders and bank management are not penalised, create moral hazard that may feed subsequent reckless management behaviour down the road. The difficult judgment is of course to navigate in a general financial crisis between the Scylla of moral hazard and the Charybdis of financial collapse.