Most members of WEF ( world economic forum) support to levy insurance from banks because it is a practicable method to disperse risk .

Most people believe that he probability of risk is almost zero if we save our money to bank  . Unluckily , Lehman Brothers bankrupt and the follow up  finicial events   destroyed our dreaming. Furthermore , it  has been causing a series debt crisis  of investing banks . More importantly ,the domino effect have been affecting almost whole world. 

In order to stabilize the financial market and society , The governments cannot help to spend huge money to save the banks. Because of this , to find solutions to resolve the terrible issue is in no time to wait .

I did not buy any product from Lehman but I bought 2 principal-protected structured notes. At beginning , I can get interest about hundreds US dollars every quarter. After this event , the interests have been becoming zero. Fortunately , I can keep my principal unless other financial crisis occur. In contrast , many people lost huge money even all of their saving because they believed the lie, "this investigation has no risk and you can earn huge interest " .

Unfortunately , the banks did not take this responsibility  because they understand the law .