Ten years already. Ten years ago Lehman Brothers filed for bankruptcy, the event which sent stock markets crashing and brought the financial world to its knees.
In those 10 years, we have seen a flurry of government activity in Europe to reform our financial system and buttress the banks' ability to withstand future shocks.
But while the system has become more resilient, what of the system's 'user'? Is the average Jane better protected from mis-selling and toxic products?
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Matthew is EUobserver's Opinion Editor. He joined EUobserver in June 2018. Previously he worked as a reporter for The Guardian in London, and as editor for AFP in Paris and DPA in Berlin.