This is also posted to Slashdot as "slothman32"
I just came up with a good idea.
It's a bank, or maybe credit union, that has the client determine their own reserves percentage.
One person could say 10% while you could say 100%.
If you both put in $1000 then it would have to have $1100 in in reserves.
Would this bank/CU be a good idea to remedy bank runs and insolvceny(sp)?