So if you look at the bell curve of banks pay out rates, You have a few at the top which are paying out at excessive rates, either because their staff are more skilled, or they are lucky or they are running Madoff style schemes.  There's then pressure to push the peak of the bell-curve up towards those high pay-out rates to attract customers. If you look at the difference between the average on that bell curve and the rate at which GDP is actually growing (I know its a dubious figure at best) then the difference between the two could be called a ponzi gap

Any idiot can face a crisis - it's day to day living that wears you out.