In the following video, Motley Fool financial analysts Matt Koppenheffer and Morgan Housel discuss a subject brought up in an article in the magazine, The Atlantic. The article highlights how now, after the crisis, banks are still big black boxes with too many unknowns, and are an unsafe investment. The guys discuss the idea that, rather than avoiding all banks right now because of the unknowns, a better approach might be to get in when the bank is trading very cheaply, in order to mitigate the risk, and reduce some of the potential downside.

Fool contributor Matt Koppenheffer owns shares of Bank of America. Fool contributor Morgan Housel has no positions in the stocks mentioned above. The Motley Fool owns shares of Bank of America, Citigroup Inc , JPMorgan Chase & Co., and Wells Fargo & Company. Motley Fool newsletter services recommend Wells Fargo & Company. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.