I think a lot of people do examine the assumption, they just decide that genociding banker race is impossible/unrealistic/whatever and decide to eat the shit sandwich. As a lifelong It's a Wonderful Life enjoyer I got that lesson at 6 years old, there's just nothing you can do about it when the banks are backed by 300,000 white men with rifles. Now that we're 25 years deeper into the asset bubble it's even harder since it's not just the bankers that will lose their shirt if this financial system collapses.