That is not what should be regulated
I do not see that it should be a regulatory issue that banks have proper procedures and backups in place. If they don't, they pay the costs and if they pay too much, they end up dying.
Sure, there will be a bit of a mess, but in the worst case customers will take their government-guaranteed money elsewhere and that will be that. To Big To Fail is overrated.
What I would like to see is subprimes completely forbidden and no way to recreate them. What I would like to see is a bank that manages my money honestly and doesn't try every single dirty trick to make more money at all costs.
But hey, I'd also like to win the lottery. I know where my chances are better.