He attributed their frustrations to failed institutions and offered his teachings as a way to escape drugs.

A major problem at a number of the failed institutions was that they lent huge sums to a single company or industry.

Account holders at failed institutions under Government control withdrew a net amount of $6.2 billion.

It has also made more attractive those loans inherited by the Government from failed institutions that carried older and higher rates.

The law increased capital requirements and required the liabilities of the failed institutions to be acknowledged rather than carried as assets.

The problem is expected to worsen as the Government moves quickly to expand sales of properties acquired from failed institutions.

Most officers and directors of failed institutions are never sued.

But in addition the Government must spend money each year, called working capital, to buy the assets of failed institutions, like branches and repossessed property.

Previously, banks have only been permitted to buy them if they simultaneously agreed to take a failed institution too.

They also want the process of selling the seized assets of failed institutions to be more open to women and minorities.