Once the state underwrites the deposits or makes alternative funding available as lender of last resort, deposit-based banking is a license to print money. That suggests that either deposit-banking licenses should be periodically auctioned off competitively or that depostit-taking banks should be in public ownership to ensure that the tax payer gets the rents as well as the risks.
Das ist in etwa meine Meinung, ausgespochen von einem LSE-Professor. ;-)