Give me a break. The whole point of the banking system is to concentrate capital into a handful megacorps. When you have thousands of little competitors, profit

Give me a break. The whole point of the banking system is to concentrate capital into a handful megacorps. When you have thousands of little competitors, profit plummets and risk increases enough to make banking not a viable business anymore. Heck, that's how banking started. A handful Venetian traders got so rich they started lending money.