IMO, the ease of credit has led to lots and lots of consolidation and companies getting into markets where they don't belong. This has indirectly led to big com

IMO, the ease of credit has led to lots and lots of consolidation and companies getting into markets where they don't belong. This has indirectly led to big companies getting bigger and even bigger and "competition slowly dying". But, I think this is temporary. As and when credit tightening starts to happen, and it will with time, many of the companies will be hard pressed to pay what they are owed. And with time companies will start to restructure their businesses back to where things were.