There really isn't that big of one. A bank is an entity that uses an unsustainable business plan, fractional reserve banking, and has to rely on a federal subsi

There really isn't that big of one. A bank is an entity that uses an unsustainable business plan, fractional reserve banking, and has to rely on a federal subsidy (FDIC insurance) to make it work. They are getting a subsidy to mindlessly arbitrage the yield curve and profit by making riskier loans than they would normally be capable of making. Fractional Reserve lending is NOT necessary for a financial intermediary to function. Look at hedge funds or VC firms. They are investing the amount of money they have received from investors and are not allowed to invest 10X they amount they have without raising that extra amount from somewhere. Banks are not doing anything intelligent that adds significant value, the majority of their profits come from mindlessly arbitraging the yield curve due to a federal subsidy.