Discussion on the Today programme this morning about the role of the banks and whether they should be split up.

If the banks are no longer truly independent organisations but are guaranteed by the government surely the lending risks are being taken by the taxpayers, therefore the rewards for risk-taking (the interest) should ultimately go to the taxpayers and not to the banks? (go directly to the tax-payers I mean, and not funnelled through the government). 

Can't make head or tail of this website:  http://www.dmo.gov.uk/

In my view there is a big problem with the way the banks are manipulating the availability of credit (which represents purchasing power).  Is there enough money in the economic system to ensure that the products and services of United Kingdom companies can be purchased?  Who is keeping on top of this?