Banks should be Small Enough To Fail. They should also have compliance divisions the size of entire corporations. They should charge reasonable rates of interest. They should also offer money to good customers for free. They need to stop charging so many late and overdraft fees. They should offer free checking. They should revise any policy which has a disparate impact on minorities. They should stop giving out risky mortgages to people who are going to default on them. They should stop relying so much on impersonal credit scoring and have more humans in the loop. They should return credit decisions in under a minute at 3 AM in the morning. They should have customer service employees who speak proper English and can actually help with issues. They should be glad to get a phone call from a $100 a year account at 3 AM in the morning. They should do more to protect customers from fraud. They should stop freezing the accounts of perfectly innocent people.

I am so glad I am not a bank.