And who will pay that special fee mr. grey_whiskers? It will be savers in the form of lower yield on sacings and people wo get loans from banks in the form of higher interest rates. Savers & borrowers are tax payers
There is no free lunch. Tax payers always pay what government spends. There is no other source of money for gov't. The FUGLY big national debt is a burden on future tax payers.
Not everyone uses commercial banks.
Some people use credit unions, which have their own setup: and won’t be bailing out banks.