True, If it ain't broke, you don't fix it. But if it's really broke, you don't fix it either, you throw it away and replace it with something that works better.
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If the present banking system is failing- let it fail. That's the first step in preparing the way for the emergence of twenty-first century financial networks. Instead of pretending that bankrupt governments can magically save a bankrupt system, accept the fact that the financial Titanic is sinking. Get people out of it, and use what resources we have to construct and launch the fleet of lifeboats in which they can distance themselves from the vortex it causes as it goes down.