Historically it’s not miracles that brought banking regulation (unless you believe that bit abut Jesus in the temple), it’s trajedy, like 1929 and WW2.

it probably won’t get that bad though because these days they’ll keep bailing them out, their failures paid for by your economic future - gradually enough so that it’s not as bad in concentration as 1929, just spread it out into long term inflation so that it’s harder to notice. All the whiile people can keep tightening their belts.

And, I’m not saying people shouldn’t; being frugal is good, but, once you’ve switched to your frugal lifetyle, it’s increasingly hard to make the next round of cuts, and the next one and the next . . .