The one aspect of the great promise that has been kept, not entirely but generally, is the promise that banks will not fail in the way they used to. But consider whether this is really a good thing. What if we had a law against business failure? In a capitalist economy, the prospect of failure imposes discipline and consumer service. It is an essential aspect of the competitive marketplace, whereas a promise against failure only entrenches inefficiency and in-competency.

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— Ron Paul, End The Fed