Shocked again to read the original post in this thread, especially in light of what's happened in Cyprus.
The issue that our government (or Europe) have not addressed is to put measures in place to ensure this never happens again. I never want to hear the expression "bank too big to fail" or "banking sector that dwarfs a country's GDP" again. But what is being done - nothing I fear.
We need to put regulations in place to diminish the size of the banks and to discourage growth beyond a certain size. Tie this into a Deposit Insurance scheme that should be set up (like FDIC in USA) where the banks would pay more deposit insurance to offset the implicit/non-voluntary guarantees they get from taxpayers (through the government) to cover losses beyond the ability of the scheme to cover.
Capital requirements for banks in Europe need to be increased also and as far as I'm aware this has not even been discussed in recent times. Whatever about paying for this crisis once, who wants to be in the hot seat again sometime in the future.