Lately I've been thinking about economics from an ecology perspective. I think the "other side" of the problem is consolidation and deregulation of the banking

Lately I've been thinking about economics from an ecology perspective. I think the "other side" of the problem is consolidation and deregulation of the banking industry. Stagnating markets look like farms, clear-cut native ecosystems replaced with massive monocultures that actively suppress competition using artificial techniques. Building a farm is a gamble. It requires identifying a good crop, large up-front investment in clear-cutting, and ongoing investments in regulating competition. Everything looks like a nail when all you have is a hammer... well, big banks naturally take this path because they have lots of money and connections to political power. An innovative market is like a jungle, diverse competition of many specialized organisms for innumerable niches... when one species fails, another immediately takes it's place. Local banks invest in smaller businesses with low-overall risk and consistent ROI. These banks work with the marketplace. They are analogous to fungi in forest ecosystems, which have symbiotic relationships with the trees that serve as the forest's foundation ([1])... a jungle market, with sustainable innovative competition, emerges from networks of small local banks. We must rigorously defend competition in the banking industry because it shapes the rest of the economy. [1] Listen to https://www.radiolab.org/story/from-tree-to-shining-tree/ https://www.radiolab.org/story/from-tree-to-shining-tree/ , or if you don't have time skim https://jgi.doe.gov/retracing-roots-fungal-symbioses/ https://jgi.doe.gov/retracing-roots-fungal-symbioses/