This is not a good time to be a banker. Any kind of banker. Our central bankers are alternately accused of having kept interest rates too low for too long, and of raising them too soon. Overseas they are accused of being unable to drive down their currency so as to rescue an economy from decades of stagnation (Japan, a country once set to rival the U.S. as the world’s economic powerhouse); of causing a collapse in share prices of banks around the world by driving interest rates too deeply into negative territory (Sweden, a far-away country with bankers of whom we Americans know nothing); of doing too little, too late, to put the economy on a decent growth path (EU, a “country” attempting to cover for its sluggish performance by harassing American multi-nationals). Commercial bankers here are no better regarded. They are accused both of causing the Great Recession by reckless lending, and of not lending more freely to small businesses and needy but less credit-worthy borrowers. And of TBTF – being too big to fail, counting on taxpayers to bail them out.