While this is understandable, it makes it difficult for the political process to support making public funds available to stabilise the financial system. These issues are not new and, by the standards of some past banking crises, the US, the country at the heart of the current crisis, is making reasonable progress.
For banks that serve their customers through a variety of approaches, assessing their broader deposit-taking and loan-making footprint might make sense. For large wholesale banks, it might make sense to evaluate CRA activity in a broader area and to encourage them to spread their investments and services to underserved areas.