One risk facing policy makers is that if the capital injections are
seen as a government seal of approval, that could destabilize banks
that don't receive investments, causing their customers to jump to
other institutions, said Ellen Seidman, a former economic adviser in
the Clinton administration.
"It's counterintuitive, but if we've learned one thing from this
crisis, it's that we have a hard time predicting the behavior of the
smaller savers and investors," said Ms. Seidman, now at the New America
Foundation. LINK