First, protection of depositors and the payment system is not the only reason that might induce governments to bail out banks. Second, commercial banking activities can also be a source of risks that cause banks to fail unless they are bailed out” (unquote) 10.
In summary, the common theme of all the proposals in the pipeline is one of putting sand in the wheels of the market. This is a far cry from the situation of the pre-crisis days, when pundits advocated complete freedom for markets in order to improve the resource allocation efficiency.