I have better idea. How much federal money does one need to incorporate the brand new sparkling bank (that will actually lend money)???? Use post offices, court houses, SSA offices, armories as a branches, or take over, and keep one or few of the faled banks as a storefront(s). Put peopele on the government roll with government capital. All the problems with asset pricing, CEO pay, shareholders interests, dividends will be resolved in one broad strike. Let the commercial banks rot until they come to senses...