I would suggest that we can’t move too far toward the Swiss banking system as we desire our banks to take risks to keep the economy moving forward. If we only loan to the most credit worthy and hold considerable reserves our economy will suffer greatly. Part of the American system is taking a chance and failing. This goes for banking as well. They loan money to less credit worthy entities and charge more for it. This allows them to make more profit, another American ideal. The Swiss are not the global engine of growth. They make cheese and live in the mountians listening to a Jazz festival. 😉