Agree. I think there's a distinction between infrastructure that must be reliable, and first-order commercial enterprises that must be agile and risky. Banks a

Agree. I think there's a distinction between infrastructure that must be reliable, and first-order commercial enterprises that must be agile and risky. Banks are squarely on the infrastructure side. They're a foundation that people rely on to do the really interesting stuff, and as such should be 1) low risk, and therefore 2) not profit-maximizing.