George Orwell noted in 1984 that to really control a population, you control their language - eliminate the words that describe the behaviors and views you disa

George Orwell noted in 1984 that to really control a population, you control their language - eliminate the words that describe the behaviors and views you disagree with. Economically, businesses provide "words", degrees of freedom that people exercise when they spend or act. Banking is ugly because there are some "words" we don't want people to use, like derivatives, or over-leveraging. But the banks themselves then use this safety mechanism to eliminate or weaken the words that would threaten them, like cooperative banks. In the end, it boils down to Congress. The Executive has a lot to say about it too. Perhaps as technology improves we can install a Panopticon in Wall Street and Washington, reducing the cost and risk of regulatory enforcement. And if they protest we can say: well, what do you have to hide?