Commercial banks are lending less, said Jan Van Eck. More alternative lending.

They're so fragile. It's like, if you need the Central Government to bail you out, is the Central Government going to be a reliable backstop? The government is political about it. Oh we don't like Crypto. Oh you're a crypto bank? Oh Credit Suisse, you've messed up one too many times on your risk management or whatever, and you've upset the Swiss government. I'm not going to bail you out, but I will for UBS.

The government has not explained objective criteria, or who they bail out and who they don't.

Why is this bank getting a bailout while this other one isn't?

Central Banks were created because literally no banks can survive a run on deposits (everyone tries to withdraw on the same day).
 
Should banks be making loans? After GFC and Dodd Frank, we said well Big Banks should not be making risky loans. Now they only loan like 60cents on each dollar or something.