After the mess has been sorted out - and surely it will be - every pundit given an opportunity to air his views has said, the banking system will survive, but will be very different from what it was before - - - After the mess has been cleared up, should we lobby our politicians to pass laws to make all banking companies mutual organisiations, where they are owned by depositors rather than by stockholders, and each depositor will have one vote when it comes to governing the institution and making appointments, regardless of the size of his deposit account?