When the banks loose money due to stupid investments (real estate bubble), they can’t loose. Your central bank, usually run by bankster (ex-employee of the to-be-rescued bank) simply provides a bailout to “save the depositors”.
Reality check. Most working people, if a bank failed, wouldn’t loose due to
deposit insurance (FDIC in the U.S.) The ones who would loose big are the big investors. Can you guess who the big investors are? Bingo, the banksters themselves. Who gets to pay for their stupidity?