You can take people out of government’s reach
But you can’t take government out of the people.
Second Life currently has 20 to 30 banks that operate essentially the same way Ginko did. That fact, plus the large losses associated with Ginko, has led to a growing call for even more transparency and regulation among SL residents.
This means the failure was inevitable. In the absence of a central banking system, fractionary reserve banks are inherently bankrupt. Good luck, I hope you don’t have your life savings invested.