Why do we have this system that to be able to use your money in convenient way you have to deposit it in a bank that can then lend it out? Lending and keeping deposits should be completely separated things. There is no reason whatsoever for me to have a stake in lending business just because I want a convenient way to keep and operate my money. Charge me for that and don't do business with my deposits.

Bank going bust should mean stakeholders in the lending business losing their money. The whole federal reserve system can be preserved. Just raise capital to meet the minimum and don't use money from people who just want an account.