大银行能够营造这样的安排的原因是一个潜在威胁：如果具系统重要性的银行陷入破产，那么金融部门 — — 以及与之相关的经济支付系统 — — 将会崩溃。
Big banks’ ability to extort such an arrangement stems from an implicit threat: the financial sector – and with it the economy’s payment system – would collapse if a systemically important bank were ever pushed into insolvency.