I'm not sure it's a given that "government provided equivalents" would be less political (or culturally slow-moving, as it were) than the situation now. I also

I'm not sure it's a given that "government provided equivalents" would be less political (or culturally slow-moving, as it were) than the situation now. I also had not considered that the banking sector is lightly regulated. Are you suggesting a re-envisioning of the banking sector as a sort of public utility?