It will stop literally overnight... you know... when you go to use your credit card, and you find out Citibank has vanished...and so has your credit card.
As if there wasn't enough danger, the one that will break the zero-savings public, is when they go to the grocery store and come home with nothing.
But it seems to me that a couple of banks (JP Morgan/Chase and Bank of America in particular) seem to in the market to buy out a lot of the larger companies that are distressed. By large stock purchases or out right purchases.
So it could well be that we will end up with just a couple of mega-banking institutions that will get very fat and happy from credit card use.