A change is needed..no doubt about it. Though the Central bank plays a vital role in the economy, but some corrupted people use this as a weapon to gain their dirty object. Banking system of some countries is corrupted and the system helps to produce defaulters. Political power influences on this and many politicians take money from the bank with their negative influences and ultimately they become defaulters. Money can be  laundered easily through bank illegally and this number is huge. So, a crisis  then arises to protect the banking sector and to fill up the vacuum with people money without having their consent. A system which runs by the money of the general people without their consent , i think that should be called " illegal" and "dangerous".