People who put their savings in a bank for safekeeping and interest income should not normally be compared to ignorant speculators. Did I really have to tell you that?
Warren Buffet should help merge the regional banks, helping them to "cut the overhead". That would be an example of how to fix gov't. "cut the overhead".
You're right, my allowance from gains will fit in those, while the rest of my allowance will be put right back into the market for more allowances. Very smart man you are