They merged and bought up or either drove little banks out under the guise of bring you better service. All brought about by Ronald Reagan's deregulation which almost at once saw a jump in charge card interest, in loan interest rates. Yet at the same time a drop in savings interest. If this is to serve us better well then I prefer the older not better service.
http://www.rollingstone.com/politics/blogs/taibblog/with-blistering-dallas-fed-report-ending-too-big-to-fail-goes-mainstream-20120329
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