Making Banking Boring

Also see: http://www.theatlantic.com/doc/200905/imf-advice for a more in-depth article about why we need more regulation and why the government is unlikely to go through with it and discussion here: http://news.ycombinator.com/item?id=534679

The only reform we need is a market shakedown and bankruptcy of failing corporations. Let the new guys pick up the debt and form new banks.

I, for one, would like to see peer to peer banking.