A few years back, Senator Durbin from Illinois publicly encouraged people to move their money to credit unions. Credit unions are owned by the members, so perhaps a little safer. At least one has a voice.

Foolishly, some people try to loan money to themselves by taking cash money from one credit card to pay a bill due on a different card. Eventually that fails. Bernie Madoff went to jail. Somewhere in his client intentions he, too, was going to eventually make good.