Different from 2008, we now know the ramifications of a failing bank pretty well. The EU is conducting yearly stress tests to that effect. [1]

We now see the effect of this new knowledge about a previously opaque sector. Politicians and buraucrats are not as afraid any more. So banks cannot get away by having the tax-payer carry their risk.

[1] http://www.eba.europa.eu/risk-analysis-and-data/eu-wide-stre...