See, that's what would take care of the gambling problem, couple that with dismantling the FDIC and all of a sudden you have people who actually would be worried about their banks and financial institutions and start evaluating risks and rewards based on real market signals.
1. Yeah, because Joe Average Worker really has time to monitor "real market signals" on the bank into which he deposits his paycheck once a week. We can't all be John Galt like you, so brilliant you can single-handedly be an expert in every kind of transaction you will ever engage in and have no reason to fear ever being defrauded.
2. It's funny because the FDIC was created when the exact opposite of what you appear to think will happen happened.