Given the recent suggestion by Alex to change how banks operate, which I personally think is a bad idea, I've decided to suggest an idea which isn't new and has been thrown out by someone (Sketchy?) before. I quickly just want to iterate that this idea will probably not be popular but that the only reason I'm suggesting it to begin with is because Alex is persistent to change the bank mechanics so I figure it's at least better that he makes a decent change instead of one that disadvantages small