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What I meant with the statement is that people are really dependant on he infrastructure the banks created. Like the internet, you don't want it to fail (which can occasionally happen), but you need to have access to the system in order to participate in society. So, when you have a system which is build by people whose only goal is to make money, they will only do the least possible maintenance to sustain the system and make more money. You also see this happening with the US power grid. Also, the free market isn't always the answer. Some sectors just work better when under strict control.