I'm not sure about Spain, +ALEJANDRO GONZALEZ RODRIGUEZ
, but in most countries banks already èpaid back all bailout money + interests.
You talk about restricting the market, but then you don't want to bailout banks and let them fail thus letting the market handle it on its own.
Perhaps you didn't consider the consequences of letting a bank fail:
1. People lose access to their savings;
2. The government will have to compensate bank depositors of up to 100k euro per account using tax money which, unlike bailout loans, will never be repaid.
3. Companies which have a line of credit with the bank will go bankrupt and lots of people would lose their job and will begin claiming unemployment benefits paid using tax money which, unlike bailout loans, will never be repaid.
You don't believe it but most companies work on credit, they borrow money to pay for goods and pay it back when they are paid using LCs an invoices as a guarantee;
4. The bank employees will lose their job and will begin claiming unemployment benefits also paid with tax money;
5. The bank shareholders, including investment funds, pension funds, and small investors. All those losses are transferred to the people, the small investors lose their savings, the investment funds will transfer the losses to their customers, and pension funds will either reduce pensions or, if they are state owned, they will cover the losses using tax money;
6. People who borrowed money from the bank to buy a house, a car, or whatever, will find themselves in a messy situation as the bank may try to close the loan and ask for a full payment in short notice;
7. Banks borrow money from each other, a bank failing may drag other banks down creating a cascade effect;
8. Lots of money will leave the economy for good. Because of the way fiat currencies work, a bank customer depositing 100k euro can result in the bank lending out or investing 900k euro. That money enters the real economy, and when the bank fails closing loans and selling its assets, all that money will just disappear from the economy;
All considered, it costs a lot less to taxpayers to lend bailout money to banks than letting them fail.