In the same thread you state "Nah, it's just the nature of capitalism. Industries that require a large amount of startup capital lead to natural monopolies or duopolies" as the cause of centralization of the banks. Then you go on and explain where the high-capital cost actually comes from:

"It takes a lot to jump through the regulatory hoops, money requirements, and insurance costs while having competitive prices against other Banks and still make a profit."

And yet you still blame capitalism?