I don't think they're forced to... they raised about as much new capital as they had to write down. Imo they should sell the investment bank division because of the risk - it just hasn't made enough money to justify it. They would have made a profit of over $20bn last year, just in wealth management fees and with their funds. This is essentially zero risk, lots of money and everyone's happy. The only downside is that management earns about 1/10th of the management in investment banks - but investors' interest > management's interest.
Plus most of the high salaries/bonuses tend to go towards the investment division, a lot of money can be saved there.
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You take your money out of the bank because yoru scared you wont get it back.
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This makes sense for savings and such... but if you have only a depot with shares, the bank should only be holding it for you - it should never enter into their possession. If they fold, you could transfer this to another bank - unlike with cash assets. Or am I totally off here?