Many of us still get a chill running down our spines when we hear about bank failures and bailouts. After all, it was less than 15 years ago when we went through one of the worst economic disasters in history, and institutions such as Bear Stearns, Lehman Brothers Inc., American International Group Inc. and others became famous for the wrong reasons. The Great Recession took years to recover from, and some of its effects can still be felt to this day.