Of course Bank runs happen. When we say so. And if reality is dealt with it is obviously in our interest. There is no one here but us. But, you don't get to define the People's Interest, now do you. WE have 10s of thousand of experts on that problem set, every day.
For the Vector of our Interest, and for the summation of our cause, WE elect our choices, down to the school boards. Such fun, but there is no one else to do it and we allow no one else to do it.
It is a mess and it is our mess, for our benefit.