Bill Moyers points us back to banks and fiduciary responsibilities:
“You shouldn’t run a financial system on the expectation of government support. We’re supposed to be a free enterprise system,” Volcker tells Moyers. “The problem of course is once they get rescued, does that lead to the conclusion they’ll get rescued in the future?”
From Bill Moyers and Company, an interview with Paul Volcker on the Volcker rule in Dodd-Frank, transcript included.