> The biggest three banks in the US have around 10% market share each, the 4th has < 5% market share, and they fall quickly after that. You are referencing sha

> The biggest three banks in the US have around 10% market share each, the 4th has < 5% market share, and they fall quickly after that. You are referencing share of investment, primarily because their stability is counterbalanced by their above-average rakes (or lower returns, depending on how you want to look at it). At 10% of the market, it's a MASSIVE influence, regardless of the attempt to trivialize the number. > More than half of the poor do it every generation [4]. My interpretations is that it takes 4 generations for 1/16th of the population to move from poor to middle class. > Using one's own experience and observation to make claims about complex issues like this is terribly and ridiculously incorrect Making a random jab at an admitted caveat, why? I'll just stop trying to debate a flamebaiting troll, since your points are not compelling and you are posting in bad faith, regardless. GL with whatever.