My solution personally would be :-
1) in an ideal world, instead of the UK taxpayer bailing out TBTF banks, the Government should have nationalised the banks and had them work in the interests of the UK population. This would have achieved the outlawing of FRB anyhow, which I feel you are in favour of. Instead, we nationalised the losses and left the profits and control in private hands.
2) Bitcoin
1) Nonsense. That banks should have been left alone to go into administration and then plucked out by the government and fixed without bailouts. Bad debts would have been dissolved in administration.