Banks paying the cost of insuring against future bail outs

Returning to the other great issue of the day, namely "What to do with the banks?", I'd like to make the following, 'modest proposal'.
  1. Fractional-reserve banks require insurance to continue. (IMHO it's unlikely the banking system could survive de-growth or deflation for example.)
  2. That insurance is at present done by the state.
  3. The state should be paid a proper rate for that insurance.
  4. That insurance could, in part, be provided by ultra safe reinsurance companies such as Swiss Re and Munich Re, and/or the Lloyds names, who are mostly exposed to hurricane, and not credit risk. It's unlikely that they could shoulder all the risk of a bank. They would, one would think, negotiate a fair price for that risk.
So I propose the following.
  1. The insurance should be properly defined, and 'living wills' be created too (for the circumstances where the insurer is not prepared to insure the banks).
  2. Once the risks have been defined, some proportion (say 10%) of the whole insured amount should be insured by the reinsurance companies.
The government would then 'discover' the price needed to insure the banks if done in the private sector. The bank would then pay the same rate for the whole amount to the government as the rate paid to the reinsurance company for its part in the insurance.

Concentrated Interests Satisfying Distributed Needs

I've dipped into The Logic of Collective Action, recently. This is an absolute classic recommended to me originally by an ultra-intelligent Canadian lady that I know. Definitely worthwile reading. Thinking about the book, makes me come to the following draft conclusion. Here it is:

All successful* social changes ('memes') - by which I construe very broadly to include religions, technologies, political ideas, government policies, and behaviour traits - that I can think of, have two elements:
  1. the meme satisfies some need, desire or requirement felt by lots of people;
  2. they are invented, promoted or implemented by a single or small number of individuals/organizations with concentrated interests, who have a strong psychological or commercial interest in the meme.
Examples of the following can be found in religion (e.g. Christianity - human psychic needs/need for order in the Roman Empire & Jesus/his followers/the Roman Empire), technology (e.g. the telephone - public comminication & Bell), political ideology (e.g. communism - needs of the 'working class' & Marx/the Bolsheviks), and environmental protection (e.g. Ozone depletion - many people in high lattitude countries & the interests of Du Pont, which makes alternatives to CFCs).

(* by succesful I mean in this context simply that the changes happen.)