retired_member12

Whether it takes 2 hours or 2 weeks, it is always in the coffers of one or other of the banks involved anyway, consisting or both validated deposits and/or pending transactions.
Liquidity is lost just like in any other business, when expenditure is greater than income. Reckless lending by almost every major bank, without any prospect of repayment or security, has dried up the river.
In the long run, it'll be higher interest rates paid by you, property devaluation suffered by you, and greater taxes taken from you, which will free up the system again. Yes, you the public will be paying for it all.
As for savers, they're already not getting much interest on their deposits, meaning the banks get to keep a greater proportion of the interest earned from their loans. What are the savers going to do about it? Nothing, there are no other banks to put their money into, something all the Governments can rely upon!
When these banks split into two, it won't be one of the new entity 'bad' banks, with their new unfamiliar, non-public trading names, that you'll be encouraged to borrow from, oh no! It'll be one of the traditional 'good' banks we all know so well already. Look how the confidence building 'con' exercise is starting already. Watch out for fully profitable announcements within about 18 months!