Dhaka, Oct. 28 -- Ever-increasing events of bank failures, bankruptcies and distresses have been occurring home and abroad. In many situations, they are being brought under resolution by the central regulatory body. Despite resolution steps, the worst victims are the depositors everywhere. We are suffering the subtly-occurring exploitation and looting of public money due to escalating defaulted loan. We hardly go into the depth of the monstrous phenomena. Two-way actions are crucial now. First, stringent laws and regulations ( lack of which is the crux of the problem) must be enacted and put into action to liquidate the securities for quick recovery. On the other hand, we must focus upon recasting the deposit insurance system so that netw...