Banks in bankruptcy but rich bankers, Theory of the Coercive Deficit

The people that know the politics are aware that there are some activities that any government and any congress can not deny to support.
The bankers, for example, know that any government can let the savers lose their money because if this happen all the financial system is in danger. When a bank fails, usually the small clients recover their money through the governments insurance.
The bankers know that they can do anything with the client’s money because in the countries majority the governments do not have capacity for controlling their activities. They are aware too of the most important issue: that the governments will restore the money to the savers. They know that the governments and congress do not have other option but to pay to the savers because if they do not pay there is a serious risk of social disorders and economic chaos. This is known as the Theory of the Coercive Deficit.
For that reason the bankers use the savers money as they want. When a financial crisis occurs, generally you find banks in bankruptcy but rich bankers. Who fail is the bank no the bankers. Usually the bankers have their money secure in other kind of investments. The problem is for the savers that have to wait that the government restore their money.
In some countries this kind of conduct is legally punished but usually these persons ---that have enough money for living in other countries--- escape to other nations or financial paradises. In other countries ---instead of punishing these actions--- the governments give more money to the bankers.
The financial activity is something essential for any economy. But it is necessary to guarantee the money of the savers. And this implies more official control on the banks, especially over their investments.
Gift money to rich bankers is a sin. As too is a sin to deny help to the poor that struggle for keeping their homes.