The discussion is about the government's plan to retain all the funds and the different ways they can do this: raise taxes, print money or have the banks pay for it. Will and Steve discuss the pros and cons of each option. They agree that letting the banks fail is not an option, but they also question the fairness of making the middle class pay for the banks' mistakes. Steve points out that the new insurance regime may require banks to pony up more money in insurance payments, which could be passed on to the consumer and businesses. They debate whether this is a reasonable tradeoff for a safer banking system.
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