Banks and hedge funds losing big time by the dropping oil prices.

[dixiegrrrrl]

5. Actually, their plan is for us to bail them in.

A version of what the banks did to Greece a couple of years ago, which is to take depositor's money and give back shares of stock in the bank.
It hinges on the fact that depositors in a bank....savings and checking accounts- are seen as unsecured creditors by the banks.
A term to keep in mind in light of announcements by British and American financial honchos:

Bank of England Governor and chairman of the Financial Stability Board Mark Carney announced it in a way that most people misunderstood, by claiming No more bailouts: banks won’t be saved by taxpayers.

The new global rules will force creditors to bear banks’ losses, ensuring that taxpayers’ money should never be used again to bail out banks.

http://rt.com/business/204155-taxpayer-bank-bailouts-rules/

The United States announced the same plan sept. 2013, almost word for word, and again using the "No more bailouts" teaser:

U.S. taxpayers will never again bail out any financial institution, not even one deemed to be "too big" to be allowed to fail.

That's according to prepared remarks delivered by Mary John Miller, under-secretary of the U.S. Treasury at a financial conference organized by the Levy Economics Institute of Bard College in New York recently.

Instead of bailouts, Miller says, "Shareholders of failed companies will be wiped out. Creditors will absorb losses.

http://www.bankrate.com/financing/banking/no-more-bank-bailouts/