Joe Nocera has a wonderful debriefing of just-retired FDIC head Sheila Bair, who fought the good fight on behalf of depositors, mortgagees and taxpayers in the runup to the financial meltdown and throughout it -- fighting unsuccessfully to rein in subprime lending and for effective mortgage modification, and successfully for strong resolution authority in Dodd-Frank to wind down failing megabanks. Throughout, she was an advocate for market accountability -- that is, for bank bondholders and mortgage holders to absorb a portion of the losses caused by mortgages gone bad and banks gone bust.