Capitalism depends on lending and borrowing, and hence on banks. In that sense banks are a utility, like Water Works or Electric Company.
Utilities have to be protected from collapse.
Banks borrow from depositors and have to earn a spread by lending or investing.
How do you set a sensible limit, individually or as a group, on the activities borrowers can lend to or invest in, so as to avoid future economy-shattering disasters?
I donít think the answer should involve advanced statistics or mathematics.