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  In theory you're right, Ross, but if a bank went bankrupt, the people who have money in that bank will lose it!
  
  That includes the companies that have money with the bank, they'd all lose their money, and millions of people could go bankrupt overnight, and lose their job too.
  
  Hence, the best idea is for the State to have a strict regulation on banks, to make sure they do not overstep the mark, and to reduce the "almighty" sheen of the top-bankers, starting with their binuses.

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