This consolidation towards the top is described as a feature for the Federal Reserve cartel in The Creature From Jekyll Island by Edward Griffin. When formed, one of the key tenants of the Fed was to stop the growth of competitive banks. These failures are a part of their cartel plan.

It is the politics of division. Everything must be divisive —- men vs women, straight vs gay, black vs white, city vs rural, rich vs poor, liberal vs conservative, etc. all because the governmental power never wants it to become govt vs people.

Matt—- how does it look? Thank you. Just figured this out and love your icon.