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Not having a functioning lender of last resort therefore matters, a lot.
Whether they're the short-term direct benefits that actual insurance-holders certainly do claim, or the longer-term benefits involved in having a functioning system.
While such lamentable conditions are seen in a number of countries, there are other countries (or states within countries) that, as has already been discussed, demonstrate the rewards of having a functioning universal public healthcare system – with better health achievements and also larger development of human capabilities.
5.04pm BST Ahead of today's conference, Dominic Rushe spoke to Google Glass testers to see what they think of the wearable computer, which allows users to save precious seconds every day by having a functioning computer in front of their face instead of on a mobile phone.
"I think there would be utter chaos if there is a distinction between those arriving by March 2019 and those arriving in transition because there is no way to make a distinction between those groups, so it could lead to widespread discrimination of EU citizens," he said, raising fears about access to jobs, ability to secure accommodation and having a functioning bank account.
That, she says, includes the priorities that she and Dr. Lisk have set in their own programs: raising awareness that epilepsy is a medical condition that can be treated; having a functioning health care system with facilities patients can reach; training health workers in epilepsy care; and offering anticonvulsive medicine at low or no cost.
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Since 1991, Somalia has not had a functioning central government.
Lebanon is the only Arab country to have had a functioning democracy.
We also have a functioning scouting department and an attitude of expecting to win.
I lived in a city that didn't have a functioning movie theatre".
"We could argue now that we don't have a functioning democracy," he says.
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