More generally: from an unregulated bank. The tradeoff that came out of the Great Depression was that the government insures bank deposits, and in exchange the

More generally: from an unregulated bank. The tradeoff that came out of the Great Depression was that the government insures bank deposits, and in exchange the banks agree to be bound by rules that enforce responsibility - both fiduciary and to their communities. Over the past 20 years, the American banks have succeeded in shedding many of the regulations that used to bind them to those terms of responsibility. Not only has that resulted in more cynical and opportunistic 'service' to customers, but also it has resulted in the financial instability that led to the big crash of 2008.