Laws can be changed. An entity like Amazon can lobby for a change. Donate money to politicians likely to vote for a change. Call for a change on the editorial

Laws can be changed. An entity like Amazon can lobby for a change. Donate money to politicians likely to vote for a change. Call for a change on the editorial page of the Washington Post. Remember, once upon a time, there was but one phone company. Then the law changed... Interstate/branch banking was illegal. Then the law changed. Amazon could probably set up a members-(i.e., customers) only credit union without too much difficulty.