Ask HN: Is there an impending Banking crisis?

No ! Banking is no longer a business where you can fail. Sure, they will make an exception if you are very small or very stupid.

Yes ! The "regulators" keep changing the rules and have an increasingly active role in influencing the market (rather than regulating it). They don't appreciate the effects of their own actions and are driven by lobbying and bank CEOs more than their expertise and models. The complexity of the system will soon grow beyond their ability to "fix". You could also argue that we are already there and the regulators are scared and bluffing.