Where brokerage affiliates operate on bank premises, they are required to notify the customers that their securities products are not insured by the Federal Deposit Insurance Corporation (FDIC) and that these are not deposits or other obligations of the bank and are subject to investment risks.
At the same time, however, crisis responses do not eliminate the excesses accumulated in the periods preceding the crisis. When those excesses are really massive, it will take long for the economy to return to a sustainable growth path. Japan’s “lost decade” was partly attributable to such an element.