Unfortunately, the US and UK had a good bank regulatory system, which was dismantled by Clinton in the US and the Fool McRuin Brown in the UK.
Now that doesn't excuse the bank's for behaving how some of them have, RBS, BOS (both in located in McRuin land) so had to be rescued, Northern Rock wasn't so could effectively go to the wall. But Barclays and HSBC were prudent enough not to need Government handouts.
But the banks problems are only a very small part of what is a much, much bigger problem the politicians, who have spent our money and borrowed on our behalf, our children's behalf, along with our grand children and great grand children. The longest dated Government bonds are currently for 50 years, so your grand children and great grand children will have to pay them back.
IMHO the problems with capitalism are National / Multinational cartels, again politicians have allowed this to happen, by allowing take-overs as long as a company does not have more than 25% of a market. This should have been set at 5%, so instead of a semi-monopoly 4, like Tesco / Sainsburys / Asda / Morrisons which is a good example, there would be instead 20 brands all vying for our business. Barriers of entry to starting and running a new business, through red tape, high taxation means less savings and also there is a lack of bank lending to fund a business. More successful SMEs would help to spread wealth more evenly through society.