this is not some tin-hat conspiracy, banks, unlike the bitcoin bucket shops have to abide by a metric tonne of regulations, rules and laws (which are constantly changing)
this is why 3 banks do not go under every week, unlike bitcoin shops
Banks would go under en masse if they were not bailed out with printed money or bailed in with depositors' money. Regulations heavily protect banks against competition: safer, nicer banks and new disruptive tech like Bitcoin.
this is why 3 banks do not go under every week, unlike bitcoin shops