RBS created their near collapse (only prevented by Joe Voter bailing them out via the UK government) by neglecting to obtain complete accounts of the bank they and other European banks were buying as a consortium. In the accounts of why they did not obtain the completes accounts of that bank, it was revealed that it was a done deal even without such vital info. Those accounts would have shown that the bank had a serious bad debt problem that left it for all accounts ... bankrupt.

The collapse of RBS would have caused a collapse of the world banking system.

And yet.. the banks say we cannot tell them to ensure (via a change in their bonus system) such mistakes do not by greed be done again. We are told by the banks they are angry we are taxing them..... to go into a fund to cover any more greedy bankers playing with Joe Plumbers money.

Imagine not being able to access your money....