> Nobody claimed nobody in a regulated system ever loses money.

Only if you read the above questions literally and miss his meaning:

> Into a mess for who? Depositors?

> Could you summarize how much money depositors across the entire United States lost to bank busts over the past, say 40 years?

The S&L crisis was a “crisis” because non-bank S&Ls lost money in a way depositors haven’t. You have still not pointed to a single American depositor losing money since 1982, though I’d extend that to the post-War era.