Isn't it once bitten twice shy (sorry) instead of warned? You know what's a bit sad in a way is following a brutal slow down hitting the financial sector so hard, you see the need for the good old savings and loans that used to do such a good job socially when banks truly aren't a social business and should an extended period of slow growth be predictable a private non profit financial institution backed by the biggest banking names serving the less fortunate for both savings, basic checking and prudent mortgages with difficult scoring and the very small businesses would be of a great service together with the community banks?

Is today the capital available for such an initiative which proved to be profitable on the long run without the tax payer?