> The whole point of finance is maximizing profits; I think that people need to understand and accept this for us to have a meaningful discussion. You haven't

> The whole point of finance is maximizing profits; I think that people need to understand and accept this for us to have a meaningful discussion. You haven't factored in your thought that there are no monopolies in the financial world, unless they're state backed. Competition is everywhere. Competition decides the profit, not the firm.