I don't like them any more than you do but this industry will be regulated and they have the advantage since they have a culture of lobby.

You arent going deep enough. This is outside regulations, much more expansive than what you are focusing upon.

That is what I mean when I say to replace the banking industry we have to understand it. Few do. It is not what we see put forth by the financial media or what is discussed about the traditional banking system. This is much wider and less obvious.

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