There are only two real problems with the banking system in our country: 1) it's too systemically integrated, and 2) it's not on the hook for its own risk.

Both of these are antitrust issues at their core. Banks need to be broken up, so that they are no longer "too big to fail." From there, we don't need to bail them out, so they can actually fail, which means they will stop taking such outrageous risks and over-leveraging themselves.

I honestly don't care if some 28 year old trader is making more money in a year than I'll see in 20. But I do care that I backstop his risk with my tax dollars, and he suffers no personal loss whatsoever if the risk materializes.