I mean the banks got competitive after 2008, remember we only were in the 08 debacle because only like 3 banks had control over all the money and how it was used so they created a competitive market to split the money, offering certain incentives that only small and regional banks could get, from 08 we now see people with bug money use the small banks to their advantage, bigger banks take more of your money to use them, thats why the wealthy started splitting their money into regional and smaller banks and those banks use that money for government bonds, big guys liquidated and ran the small and regional banks into the ground. Now the fed has to figure out how to fix this problem and punish the big guys without compromising american trust. Fucked situation.