FT.com - What to do with Britain?s banks

ft.com — The starting point for any analysis must be with some harsh realities. The first is that banks enjoy a state-supported licence to create money. No strictly private business can make a credible promise to do that. Banking is a utility in which taxpayers bear much risk. Regulators have to represent the interests of these risk-bearers of last resort. Dec 13, 2008 View in Crawl 4