art I: The benefits of free financial markets -- Does finance benefit only the rich? -- Shylock transformed -- The financial revolution and individual economic freedom -- The dark side of finance -- The bottom line on financial development -- Part II: When do financial markets emerge? -- The...

Introduction : our message and methods -- What is the problem? -- Why protection is costly -- How pervasive is TBTF? -- Why protect TBTF creditors? -- The growth of TBTF protection -- Testing our thesis : the cases of not too big to fail -- Can the problem be addressed? -- Creating the necessary...