Banks keep failing because they keep playing with fictional money.
It's just numbers that show up on a screen and "lend" it to you.
Well if you really think about it, its a business that doesnt really create anything.. lol.
As for the fiat system goes, they keep failing only cause they can as well since everything else is deep within their powers to buy or pay off people like chess pieces. But, its also cause wages are way worst then compared now from back then.