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We like the banks when they make money, but not when they make too much money or when they lose that money.

Where would we be though if the banks really did stop taking the risks that turn in a profit?

Justin Rowlatt and Kai Ryssdal are in New York to debate in front of an audience, whether it's up to the banks to curb their behaviour, or for consumers to change theirs.

And the most important question - how can we stop the near financial collapse of 2008 happening again?