The Bank Doctorine policy allows banks and financial institutions to rob individual citizens and the government to pay for excessive excutive bonuses and golden parachutes, at minimal cost.
Under the Bank Doctorine politically connected financial institutions are too big to fail, and too big to be punished. This is especially true during election years when politicians need to attract large donors with reliable sources of income.
It is facilitated in part by financial interests that rotate in and out of regulatory and governing bodies.
The Bank Doctorine makes it possible to avoid capitalism, market corrections, and criminal procecution. This way the banks have an incentive to give the public the worst deal possible.