I completely disagree with this idea.

It's trying to avoid avoid reality. What you are saying is that no one should ever be hit. banks shouldn't fail. The reality is that banks do fail. They fail because of bad management. They fail because of bad financial environment. They fail because of bad regulation. Whatever. They do fail. That is reality.

We need rules that define what happens when they do fail. We need to be able to survive bank failures the way we can survive failures of other companies.

We can't just keep deciding that banks should never fail again.