IntroHello. I'm Bernard Hickey with the daily briefing from interest.co.nz...Today, we'll look at whether New Zealand should have a bank deposit insurance scheme, just like in other countries,And we'll look at the latest on housing prices and official interest rates, where some are now calling on the Reserve Bank to cut rates. We'll explain why they're wasting their time.Story 1, But firstly, we look at whether New Zealand should have a bank deposit insurance scheme.Most people here don't give much thought to whether they might lose their money if they put it in the bank.Surely the bank is safe? We haven't had a bank collapse and surely some one would stop that from happening.Well actually, there are no formal guarantees about the safety of your bank deposits. Aside from the shareholders at the big 4 Australian banks, we have no guarantees.Now the assumption is that the government would bail out one of those banks if they got into trouble, but...