I've added my name to this petition as I agree with what you say. But while I know it's not good practice, but I'm not especially bothered about banks lending out money they don't have. We all play with money we do not have to some extent and maybe it's common business practice. However, like most people, I think it absolutely stinks when a bank can go bust or make a massive loss and they still pay out annual bonuses larger than all the money I will earn in my entire life. Surely that is the angle to attack.