Well what's stopping you? According to the book The Most Fun I Never Want To Have Again: A Mid-Life Crisis in Community Banking, it is not that hard to get a ba

Well what's stopping you? According to the book The Most Fun I Never Want To Have Again: A Mid-Life Crisis in Community Banking, it is not that hard to get a bank off the ground. I would have expected that it would take millions, but it was less than that. Basically, you have to put in about $100k and find some other people to also do that. Next, you go with some official documents to the government and ask for permission to commence business. Should be possible for anyone in about 2-10 years if you *really* want it.