In the USA there is a government organisation called the FDIC (Federal deposit insurance corporation).
This guarantees in banks all deposits to a certain amount.
The FDIC is the problem, it causes Moral hazard, it takes the risk out of opening a bank account. So the depositors couldn't care less what the banks do with their money. So banks can do risky loans because the people don't care. People just want a high interest rate and don't care what the banks do to get it.
They do however complain what the banks do when it goes wrong and do not see themselves as having a part in the cause of the problem.