Good read also
Mentions the need for leadership. It can come on the demand of the people, much as we've been sheided from that possibility these past few decades.
"Deposit insurance was also a long shot in 1933 — President Franklin D. Roosevelt, the Treasury secretary, the comptroller of the currency and the American Bankers Association opposed it. Somehow advocates rallied public opinion. The public mood is no less in favor of radical reform today. What’s missing is bold, thoughtful leadership."
It is said by some that the present President wants to be seen like FDR. Reading that paragraph, especially the mention of the Treas. sec and maybe he is getting the job done in that regard.