Yes. The FDIC should be eliminated, and the banks should have to buy account insurance in the private marketplace. That would result in the insurance companies keeping close tabs on what they are doing, kind of like how Moody's and S&P rate bonds. The insurance companies will take close looks at how banks are valuing their commerical real estate investments. Banks that are going nuts on speculative investments will have to pay higher insurance rates, to discourage such. Or, if the insurance companies are behind the times and are using inappropriate valuation techniques, the banks can not offer insurance at all, and informed consumers can decide for themselves if the higher interest rates are worth the added perceived risk.