The derivative collapse caused severe economic recession as it vaporised wealth but still, savers need banks to return the backbone of prudence and stability and provide for inflation proofing of prosperity. Banks that invest in bonuses that represent winners who also require losers in the markets they work in. Losers do not receive negative bonuses, so their accounting funds that could have supported local economic growth. Huge bank bonuses appears to be an international economic phenomena, with each market competing with others for the bankers with the most clout. If a generation of bankers agreed to invest their winnings in local growth businesses it could change the world.