Like 90% of the past 5 years, this isn't a banking problem, it's a government problem. The IMF can suggest ways to fund a bail out, but the government has to accept it. Confiscating your citizens money is a horrible precedent.
Nobody guarantees the value of your dollar earned over any period of time, nor that it won't diminish in value with the production of more dollars.
California is looking at a retroactive tax on angels and entrepreneurs right now.
http://www.businessinsider.com/california-entrepreneurs-retr...