4) What economic problems do banks solve, in theory, in the markets for money and credit? How do they do that? When banks solve asymmetric information problems in the markets for money and credit, do those problems go away? Or are they shifted to other parties? What are "market failures,\" in economics? What can government do to solve market failures in banking and financial markets? What are "government failures?\" Are they better or worse than market failures? How do these questions relate to the opening paragraphs of Thomas Paine's 1776 pamphlet Common Sense, which inflamed the colonies before the Declaration of Independence? What are the main elements of the government \"safety net\" for banking and finance? 00 these safety nets stabilize or destabilize the system? How does government regulation of banking help solve asymmetric information problems? When it addresses those problems, do they go away, or are the risks shifted to other parties