It's a term I've just made up, but the problem of ensuring that the interests of your bank - or your fellow depositors at the bank - align with not bankrupting it in the middle of last week.

This existed from 1933 until 1999 in the original Glass-Steagall Act until greedy bank investors couldn't handle the fact that they were sitting on a huge pile of capital that they couldn't gamble with on Wall Street.

Depositors will never be safe until that explicit separation of investment and savings deposits is restored.