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The fundamental problem with banks is what it's always been: they're in the business of banking, and banking, whether plain vanilla or incredibly sophisticated, is inherently risky.

You want banks to take some risk, but intelligent risk.

Banks need to continue to lend to creditworthy borrowers to earn a profit and remain strong.

Instead of abandoning competition and giving banks protected monopolies once again, the public would be better served by making it easier to close banks when they get into trouble. Instead of making banking boring, let us make it a normal industry, susceptible to destruction in the face of creativity.

People with banking experience haven't all flocked to the biggest banks; community banks and regional banks, along with smaller trading houses and credit unions, have some very talented people.

Banks are there to support businesses that have justifiable needs.

Whether or not you have good consumer protection has a big effect on safety and soundness of the banking community, especially smaller banks.

Banks are run by executives, and executives protect themselves, and that does not always mean that banks are going to behave rationally.

Banking gives you a glimpse into what makes companies succeed and what makes companies fail.

Banks properly established and conducted are highly useful to the business of the country, and will doubtless continue to exist in the States so long as they conform to their laws and are found to be safe and beneficial.