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What harm would be done to the economy if:
a) These banks were forced to stop lending nearly at all due to overly low cash-on-hand levels?
b) These banks went bankrupt?

If 'none' or 'relatively little' is the answer, then definitely no bail-out.

If 'lots', then something needs to happen to protect the 'little guys', no? I'd be fine with something that massively penalized these banks ...

Perhaps nationalizing any bank that is going to go under as a result