Yeh, I agree with you. But this is the system we have. Ideally we'd have a consumer protection group that would have raised the issue decades ago. But, it seem

Yeh, I agree with you. But this is the system we have. Ideally we'd have a consumer protection group that would have raised the issue decades ago. But, it seems a vast majority of Americans don't trust government to regulate and elect officials that weaken these institutions. Instead they favor letting market do it, and that's how we got here.