(c)  Socialisation: should burden-sharing with the private sector go beyond shareholders to cover subordinated and even senior creditors, or should there be extensive socialisation of the banking losses? In this scheme, the bulk of the professional literature would favour transparency and depth, but not socialisation.
Ironically, whereas a tough approach to requiring high capital is normally seen as protective for the taxpayer and contrary to the interests of the bank shareholders, the scale of public capital injections in this crisis has tended to turn public opinion against high capital.