Do you still want to hold your money in Italian banks?  What about Spanish banks, or even in the United States?  The Cyprus bail-out, or bail-in as the EU likes to call it, has not put those questions to rest. They’ve become even more urgent now that the Troika – the alliance of European Union, European Central Bank, and IMF bureaucrats who spend their time going from one country bailout to another – have decided that depositors will be on the hook the next time a bank goes under.