Reinforcement of equity, without guarantee of sufficient cover The 2020 crisis highlighted the insufficiency of capital in many banking establishments, especially in the face of a systemic storm of a magnitude rarely seen in economic history. This capitalization deficit had moreover to be compensated by the public authorities to prevent the banking sector as a whole from collapsing. To prevent again States, and therefore taxpayers, from having to put their hands in the pocket in a future crisis, regulators are now forcing banks to have higher and better capital than through the past, based on the so-called Basel 3 international agreements. Today's regulations are thus more restrictive and restrictive in prudential matters than those before the crisis. However, there are many critics against the current system, such as those considering that the regulatory obligations remain minimalist via the banks, this symbolizing the power of the banking lobby and reflecting a form of per