This is what our dopey government is doing with its idiotic regulations and interventions in markets....
The new rules, it turns out, may be doing more to shield banks from competition than to make them safer.That is the big banks are being shielded from competition. Through inept government intervention, the too-big-fail institutions will get bigger, will drive smaller competitors out of business, will be able to act with monopoly pricing and take risks beyond what smaller institutions would take since they are backstopped by a stupider than a rock government.
Government is the biggest problem in markets these days not greedy capitalists like delusional neo-socialists in the USA like to claim.
Too Big to Fail Rules Hurting Too Small to Compete Banks - Bloomberg