Iceland is a vary recent example of just what I was talking about. http://online.wsj.com/article/SB123032660060735767.html

For a recent US example just look at savings accounts: http://www.bargaineering.com/articles/historical-online-savi... 3/05 HSBC 2.75% ING Direct 2.53% 2/06 HSBC 4.80% ING Direct 4.75% And guess what HSBC got bailout money.