The only things that a common depositor gets is basic account services and perhaps a small amount of interest, but check out what the Henry Potters and even the much nicer bankers have and how they operate.

FORBES: Dodd Says Breaking Up Big Banks Not The Solution

In most large EU countries, insolvency laws don't give preference to depositors, so some countries fear that including the depositor preference in the directive would leave savers in small banks, which are more likely to be sent into regular insolvency, worse off.

WSJ: Brussels Beat: Another European Divide: Protecting the Depositors