So you're just going to drop the entire basis from your last post, vaguely pretend it was a typo, keep the conclusion and try again to come up with something to back it. Well gee, I did not see that coming
What changed in the 70's was the creation of the FDIC which incentivized big banks/businesses (and even a city) to be completely reckless with their finances knowing there was now a 'safety net' (that ultimately comes from the tax payer).
Yet again it is funded by the banks themselves, and it pays out if they fail. You didn't just get the year wrong, you fundamentally misunderstood absolutely everything on the topic. Creditor insurance is not a bailout for the bank, it pays out to customers if the bank fails. With money paid in by other banks. The FDIC has a line of credit with the treasury, which means they can borrow money for the big crashes, which then has to be paid back, via the banks paying in to the insurance scheme. They do not issue currency. Literally everything you said was wrong. The incentive to take risks comes from something called money, the banks like to make money, they take risks to take money. The only way to stop them doing that is regulators not letting them bet all your money.
It would really save a lot of time if you just admitted what kooky blog you get this shit from, you clearly know nothing of the topic. You also clearly don't know what the term 'public debt' means. Feel free to ask, the figures are still correct.