Here's an idea, nationalize them.
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Ummm... there is this agency called the Dept Of Justice. Their Anti-trust division can break banks down to "failable" size. Let's make them do it!,
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as a indiv citizen & consumer I don't care about the risk in banks EXCEPT as I have to pay for their losses thru taxes . I support restore fed legislation eliminating any common ownership of banks, brokerages, investment advisors, hedge funds, mutual funds, insurance companies.
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