The article discusses the importance of Bank money in modern economies and how it is crucial for the payment system. It highlights the joint production of Credit and Bank money by banks, emphasizing the public interest in protecting Bank money. The research points out that recent banking regulations have favored a Universal bank model, but the protection of Bank money remains a public value. The creation of the European Banking Union and the Brrd 2014 Crisis Management Directive have addressed the need for a Bail-In mechanism for bank rescues. Overall, the article suggests that a new approach is needed to ensure the protection of Bank money in the future.