This is something I don't understand. Everyone hates bankers but they still bank. Surely if the banks are the criminals society claim why do they still put their money there? They could just keep one account to take paycheques and then put the rest of the money in other investments stocks, shares, precious metals etc. There is no need to use the bank other than to have a couple of grand for payments. If people were really that concerned it could be done immediately by withdrawals of their money. The banks would collapse and people would just use other methods of investing and getting capital. The reason is it is too convenient so with all of the bad they still use the banks. They only have themselves to blame.