1. Banks are not state-maintained. You can argue that 'too big to fail' means government support for them, but support is not control.

2. Banks charge roughly the same fees for the same reason grocery stores charge roughly the same prices - competition.

3. Coercion is a straw man when considering government activity. Anything you don't like becomes coercive. I don't like that my roommate wakes up before me and disturbs my sleep - coercion! I like having subsidized education but not paying taxes - coercion! I like feeling safe with protected borders and the greatest fighting force ever assembled but not paying taxes or protecting people who don't look like me - coercion!

4. There is never a single solution, no silver bullet to resolve complex societal problems. I sympathize a bit with you here - what is the point of progressive reform when the system will adapt? Nothing structural will change, but will only shift. But at the same time, shouting down calls for representative change serve nobody either.

I also resent your use of 'rape' in that context.