I think a good many people are afraid of banks. Those that hold mortgages are afraid of illegal foreclosures. Those who hold bank loans are afraid of illegal LIBOR rate gaming. Those who are morally opposed to banks laundering Mexican drug cartel money are afraid of finding their bank in the headlines (again). Some folks are afraid of banks shutting down their accounts and sending a letter that it was all a mistake. Other folks are afraid that their bank will pull a Wells Fargo and illegally open accounts in their name. And although we have long known that banks are infested with rats, we now know that banks actually pay teams of them to bite customers. During the financial crisis banks went broke, yet managed to suck money from taxpayers like Anne Rice's Lestat. And don't even get me started on those damn zombie banks. Be afraid, my friends, very afraid.