Not "everyone" is a bank. Some big companies can afford to be a bank. Becoming a bank (or an insurance company) while it is actually not that hard (information

Not "everyone" is a bank. Some big companies can afford to be a bank. Becoming a bank (or an insurance company) while it is actually not that hard (information mgmt wise) is really expensive due to regulatory bumps. Thus only big money can afford to start up banks (or insure'ers). These rules ensure that you always have capitalists running these shows. Thus making the world even more unfair. I guess the rules that make it so artificially hard to start up in those sectors are prolly lobbied into existence.