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In normal times the rich don't plop their money in the banks - they invest it in businesses in order to maximize returns. The vast majority of these bad bank run investments were by the big pension plans and those types of investors that actually serve the middle class. How are you going to punish the rich investors without also punishing these middle class investments? You can't. Why not do what has always worked best and let everyone make as much money as they can? Times are hard but they will likely get better. Don't screw up future opportunities forwealth creation by regulating based on the worst of times.With overseas investors, sure.
Other than that, you only add wealth to the top 2 percent and tie up local money in paper in banks.