I see the Dutch co-operative

I see the Dutch co-operative bank Rabobank has been fined a billion for its Libor role, guilty of acting as any other banking institution.http://www.bbc.co.uk/news/business-24730242Background to Rabobank.http://en.wikipedia.org/wiki/Rabobank I really do find it difficult to comprehend that those who support all those schemes to make banks co-ops or nationalise them or giving them a more democratic structure,  cannot do a very simple historical check and see how past examples of it all evolve and develop until they are indistinguishable from so-called "conventional" banks. It is either their naivity but since many proponents are highly qualified academics it therefore must be their deviousness to promote a very different agenda.