Tony, I agree with most of what you write. 

"Neoliberals" (and their policies) have little connection with liberalism (classical, or otherwise) and even less connection with real risk/reward capitalism. "Neoliberals" love to set policies that "privatize profits and socialize losses" and call that capitalism: they want to remove the risk from the risk/reward. The "bank" is an attempt to remove the risk for investors and only provide the return - hey, sign me up. 

Could not agree with you more with your last two sentences.