Can you explain why you think that commercial and investment banks should be separate? To be clear: Amoung highly developed nations, this is universally allowe

Can you explain why you think that commercial and investment banks should be separate? To be clear: Amoung highly developed nations, this is universally allowed now -- all of them allow commercial and investment banks within the same company. Also, Goldman became a nationally regulated bank to get access to the Federal Reserve window. So did Morgan Stanley.