Fareed Zakaria writes about our neighbor to the north Canada:

Guess which country, alone in the industrialized world, has not faced a single bank failure, calls for bailouts or government intervention in the financial or mortgage sectors. Yup, it's Canada. In 2008, the World Economic Forum ranked Canada's banking system the healthiest in the world. America's ranked 40th, Britain's 44th.

We should probably follow their example regarding how they set up their healthy banking system and while we're at it take a look at their health care system.