What is it you want them to do? Or are you just throwing stones at them with no workable alternatives?
Look the Government have already garuanteed your savings in the bank. They bailed out Northern Rock and garuanteed any deposits in there, so much so that NR are now the most popular bank to open a new account with.
When HBOS were going to the wall did our government panic? did they do what the yanks did and chuck taxpayers money at them? No. They let private enterprise sort it out themselves and relaxed some monopoly rules so LTSB could buy them over. Did not cost the taxpayer a penny.
I wish people would wake up and realise this is a global problem and the UK is a tiny part of it. We are keeping our heads above water and that is all you can do until the macro economic situation gets better. All this Brown / Darling bashing is an easy option, they are capable men doing their best so get a grip and stop this pathetic gnashing of teeth.