Ignorant politicians aren't the problem. Ignorant politicians are crucial to the functioning of any democracy as all democracies have an enormous quantity of ignorant people in them. It's representational government after all. The problem lies in politicians who are pussies (although I realize most countries have a lot of those too, they are over represented in most democracies).
When I was young I thought banks and financial institutions were actually in charge of things. They control the money, and you go to them to beg for it. As I became older and grew into my Jefe role, I saw that I had been mistaken. The banks and financial institutions were there to serve me and my interests. They still had control of the money though. So I spent a few
years decades figuring out the best ways to work within their processes and make getting the money as easy as possible.
As I got even older I realized I had been wrong again. The banks didn't control the money. Their power lay in the fact they intimidated people and did everything possible to make people (including politicians who aren't Lizard People) believe they had control of the money. It was the next to the last step in receiving the 'Don' appellation.
I realized I was being duped, and being a pussy myself, if I ceded control of my money to the banks. Make no mistake that's exactly what was occurring, and is still occurring to many people. All the money I had shuffled through banks throughout my life up until that point had always been my money, never the banks money. If they were going to charge me for the service of sending their kids to college, then I was going to charge them for the service of sending poor kids to the same colleges as their kids. I let them play with my money, and charge me for it, I'm going buy little plots across the street from their banks and pay undereducated staff to cash poor people's pay checks (for free - unlike their own fucking bank) and I just deposit them directly into my account (can't do away with 3rd party checks can you Mr Greedy Banker?). The list goes on. It costs me less to harass multinational banks and have them beg for mercy, or injunction, than it costs me to be a me member of a few country clubs I visit two or three times a year.
It doesn't matter how much money people have, or how much money banks have, that money belongs to the people who put it there. Be it deposits from paychecks and birthdays for regular deposit banks or pension funds managed by investment banks. The overwhelming majority of 'their' money isn't theirs, it's yours. A large investment bank is actually only worth somewhere between 7-11% of their last 8 years profits (deposit banks are worth significantly less). All those huge numbers they toss around are bullshit, but they're accepted bullshit, so OK. Nobody is going to say much about it as long as the banks are doing their thing, but that's all 100% based on people continuing to give them money to play with.
The banks know that, anybody who deals with significant amounts of money knows that. Some politicians know it, but they're too busy getting gussied up to administer oral pleasure to the next banker that comes (Ha!) in their office to care. As previously noted, some are too ignorant to know they don't know how things with. The rest are just great big weepy pussies who believe it when the banks (or codwallace journalists) journalists tell then everything will fall apart if they don't just keep on sucking.
What a bunch of pantywaists! These are the people who are supposed to be representing our countries in fucking wars, and they're backed into a corner by powerless bankers and low rent journalists? What the hell is that? Well, honestly it explains why actually dealing with terrorism isn't a viable option doesn't it. That would mean actually dealing with people firm in their convictions and that's scary, better just attack their citizens instead. Hey! HOLY SHIT!. It's a twofer, find politicians who aren't scared of terrorists and you'll find politicians who aren't scared of bankers. Keep that in mind next time you vote. If you bother to do so.
Banks aren't going to do diddly damnit. They can't do diddly damnit because to do so means they aren't getting rich, it also means they aren't doing their jobs. Their profits are tied to low borrowing rates and if they aren't paying that money back as agreed then margins fall. Something can sure as shit be done about that can't it? You find a banker who won't throw his boss to the wolves to be the next CEO then you've found an alien. Capture or kill it for instant fame and glory (and money).
Banks(ers) can be dicks, useless appendages of productive societies and instigators of conflict all they want. But they can't not do their jobs. People like me are just salivating to shitcan those pricks the minute they drop the ball. Smarmy little fucks. You deal with them until they screw up, but there's a price to pay for those attitudes and low morals, you've got nobody to turn to for help when the shit hits the fan. I'll tolerate you if you're making me money, but that's all you're getting from me. I'll vote, strongly, to see you gone and everybody at the quarterlies and annuals feels the very same way.
The bankers know it too, better than anyone really, so they're not going to do shit that will jeopardize their positions. They're just greedy little shits supported by pussies in office out there by the pussies that voted for them. You want to keep the banks under control you put people in charge who are capable of controlling them.