In such circumstances politicians can offer bankers a system of weak regulation in exchange for party political contributions, positions on the boards of banks or lucrative consultancies.
Among them are computer experts, mortgage bankers and systems analysts; more than half have Ph.D's.
Yunus believes it is the bankers, or the system they represent, that are the mad ones.
It must be ready to impose more specific restrictions if bankers game the system.
Some bankers claim the system benefits debit card users, allowing them to keep spending when they are out of money.
The Greek and Roman bankers had a system of making high-interest loans to ship-ownere that insured the ship.
"Our plan says: fire anyone who knows anything about running the firm, sell everything, get smaller," one gripes.Asking for each unit to be self-sufficient is pushing towards a less streamlined financial system, bankers complain.
By now the bloggers have identified their favorite villains for the near-collapse of the global financial system: bankers, homeowners, regulators, even the occasional presidential candidate.
Watch Bankers: Fixing The System on BBC2 on Wednesday 8 May at 21 00 BST or catch up later on BBC iPlayer.
Mr. Deming, who had been a banker in the Federal Reserve system, was appointed under secretary of the Treasury for monetary affairs in 1965 by President Lyndon B. Johnson.
Sadly, this kind of insurance isn't on the table, due to the failure of tontine life insurance in the late 19th century ("tontine," by the way, derives from the name of the Italian banker who invented the system).
