Imagine it's 2043 and we face the second major banking crisis of the 21st Century.
Oil, petrol and diesel have been unaffordable for years.
But the real trigger for trouble has been soaring prices for UREs, short for Units of Renewable Energy.
It turns out that Planet Earth has a limited supply of renewables. There are so many wind turbines, the wind has slowed down.
Anyway, whatever the reason, bankers are staring into the abyss once again.
Barclays Moshi Monsters plc is teetering and the biggest, Glaxo Zopa, is about to implode.
Luckily, of course, back in 2011 the retail operations of all major banks were ring-fenced so that only those bits would have to be protected by the taxpayers of the future.
The rest of BMM and GZ can be left to rot.
Really? Is that what the the government of 2043 is likely to do? Let its banks founder on the rocks.
I think they might rescue the banks, retail, wholesale, investment, cross-border and all -- to avoid an economic meltdown.
Regardless of what Sir John Vickers said all those years ago.