If we are attacking the classes of individuals they are winning.

Rather, banks charge fees and interest and borrow non recourse from individuals. They lend it recourse and demand repayment from individuals. Individuals do not get bailouts, bail ins. Most of this banking activity is from local and regionals that are allowd to fail. Upside and downside to the banks.

Banks lend non recourse and never expect repayment too big to fail corporations and nation states. Most of this banking activity is from multi nationals that are not allowed to fail. Upside to the banks, downside to the tax payers.