That's both true and not true. So sure, banks want to take more risks with your money. But if you start to understand the web of banking regulations, you'll se

That's both true and not true. So sure, banks want to take more risks with your money. But if you start to understand the web of banking regulations, you'll see that there are multiple different groups with oversight, each with different goals and different regulatory frameworks. It's extremely difficult to maintain compliance and the complexity is a problem for a number of reasons, including the fact that a lot of the regulations are legacies of a time before interstate banking.