With all due respect, the surviving top banks are all the same. They all have issues with following legal practices, some more than others but all are equally

With all due respect, the surviving top banks are all the same. They all have issues with following legal practices, some more than others but all are equally bad. There isn't a good alternative, and unfortunately the Fed decided to remove the fractional part, of fractional banking so they have no impetus to actually change. Depository requirements were set to 0% in 2020, and the overages have balloooned by roughly 300% since that time according to the still required reporting which is just a matter of time until they sunset.