(almost every depositor is a taxpayer, by the way, and every taxpayer is a victim of taxation)
Not of the same bank. Even if all banks fail, the size of each bank's loss will not be the same. Also, bank creditors choose how exposed they'll be (a bondholder is more exposed than a depositor, a depositor that leaves lots of liquid money in the bank is more exposed than one that invests his money somewhere else like real state, precious metals, bitcoin etc). It's perfectly reasonable and fair that those who were voluntarily more exposed end up paying a larger cut than those who took precautions to stay away from the failed bank.
, is hiding the real problem. It's like discussing oral hygiene during tsunami. It's technically correct, but irrelevant.
I respectfully disagree. It's not irrelevant. Bail-outs create a moral hazard. The certainty that you can explore this rigged game and always win, at the expense of others.
A bail-in as I described would at least punish those responsible by making them lose everything. If that's the norm, even though the whole banking system continues fucked up as hell, bankers would be more prudent on their risk-taking.
But of course, I agree that central banks are absurd, that they foster cartels, and that the monopoly of money is perhaps the worse economical problem the developed world faces today. Bail-ins per se won't fix that. But they might change the behavior of bankers.