My Plan

Putting it in one place.

Change ``mark to market.'' It produces an instability in the system, whether taken as linear or nonlinear. A simple change is backward time averaging to the market, which gives you an unbiased eventual valuation but kills off the instability.

(The variance of the current market under mark to market is higher than the mistake produced by the lagging of an averaged estimator; and lagging spreads out any selling over a long enough time to look at things dispassionately.)

Change FDIC insurance limits way upward, and then declining under a leisurely schedule to avoid moral hazard being taken up as a business model. Similarly money market coverage. But it momentarily lets banks pay for and get huge deposits.