What problem? That is their modus operandi. This bank representative was in the business of boring his audience to death with a very comprehensive justification for the bank being a poor, poor, powerless spectator of a fragile economy. "Oh, woe is us! We can't do anything. But if you don't expect anything better, you will be all right."

I now realize that I may have latent antagonism toward banks. I am a good capitalist, and I understand their necessity. But I don't understand why they need to be a brood of vipers.